The main reason I ask is because that is significantly below primary residence mortgage rates let alone any investment loans, if you can get rates like that I might need to make some changes on my end hahahTo answer your original question, assuming all else is equal long-term fixed rate debt is valuable. 

I wasn't really sure how it would pop up, but don't see a reason to risk things and complicate my cash-out.

(It’s multi-family but not entirely stabilized.)Rehab Costs: How much should I budget for bringing vacant units to market-ready condition?

Unfortunately, this problem waste a lot of my time that could be spent on other investments.I have used the same tax professional for many years and he is very educated, but also much older than me and it's hard for me to understand all the reasons he has expressed why is better to put the rental on my personal tax returns.

$10K savings to you or higher cost to you? 

A good baseline is to calculate material costs (e.g., $300 for paint and supplies) and add a fair hourly rate for labor.

You should take a break from buying if the deals don't match your buy box, you are out of money, or for several other reasons (partner isn't on board, over-leveraged on different properties, acting out of FOMO, etc.).

Vacancy hurts a bit more, but the biggest issue with renting out large homes is turnover cost.

It's been extremely underwhelming, not that costly but it's pretty bad. 

We've learned a ton, but at a significant cost.