If the mortgage product affects the answer, it would be a traditional investment property mortgage, not a DSCR loan.

You should be able to do 5% down, or even 3% down on an FHA loan.

Question1> Cash Out Refi LTV: Single assets versus multiple properties: If all properties are performing how many should be considered into 1 portfolio loan, or should properties be enter into loans separated then combined?

Our renter paid this loan off in full for us over an 18 year rental period.

I don't think refinancing will make sense here at all, Assuming your property does appraise for $166k, and you take out a loan at 75% LTV, that will give you a loan amount of $124,500Assuming your loan fees are the following: Origination: $2,490Underwriting: $1395Processing: $500Title/Escrow/Other Closing Fees: $1800Prepaids: $1,300Subtracting the payoff + loan fees that would leave you with $17,015 at closing.

I would think most of these people would ahve the cash for this, but if not have you considered carrying a portion of the loan? 

This deal would be $275,000 with the owner holding 80% of the loan for 5 years.  

Lauderdale, FL•North Palm Beach, FL•Plantation, FL•Pompano Beach, FLThese acquisitions were done creatively, assuming the existing loans via subject-to deals without inspections.

Preferably with 30 years fixed loans?

Once you know you can get a loan, then it's time to start hitting the streets and making it real.