(I asked ChatGPT to calculate this, and you are better off to invest that extra money rather than payoff your mortgage depending on your mortgage rate.

You have a few options depending on what you have saved up and what strategy you are interested in.

@Philip Levi it depends on what part of town the rental is in.

(about $20K in profits) I've developed and perfected a strategy to manage these tenants (and I'm a Hilton/Marriott hotel General Manager so its not difficult for me)The only thing(s) that are in our way from scaling quickly is;1) a consistent unlimited supply of tenants looking to rent bedrooms, 2) a partnership with a rental management company (we arbitrage 50% of our homes)3) I guess some capital but really only depending on how quickly we decide to scale.MyRoom is the name of the company, (lazzarapm.com) anyone have any thoughts, recommendations, suggestions on how to achieve this, FAST?

To pencil out whether a deal is good I work at a high level and have maybe a 15-25 tasks and to actually manage the work once I buy a property I might have a a couple hundred tasks depending on the complexity of the job. 

You can look at a DSCR loan but depending on how you have everything structured that might be difficult. 1.)

This is circumstantial and market dependent but something you should explore if this land falls under this category.

We have figured one house per year should get us close, depending on the cash flow obviously.

The bank is going to typically finance between 65 and 75% of the cost depending on the ARV. 

And you can tailor it to you, so 1) You certainly don't have to charge 100% while vacant (dependent on bldg. layout, thermostat access, etc.) and 2) You can tailor the Gas/Electric as you have brought up so maybe 50/50 all except 60 unit 1/40 unit 2 for electricity... etc.