We have monthly meetings and loads of classes/webinars on real estate topics. 

We are getting off topic.

Great discussion; thanks for opening up this topic Mindy.

I also searched both these topics with no luck.

@Kyle FitchThis is an age-old question and topic and has been answered many times, which can be found with the magnifying glass lookup. 

Many investors switch over to these loans once they have a few properties (typically 5 on average, but you are right there in the typical fashion for property number 4)Check out these series of articles on the loan topic published on BP as well for all you need to know about this option!

here's a good thread on it:https://www.biggerpockets.com/forums/899/topics/1110473-sett...you should do your own research and determine what fits best for you. 

It’s a nuanced topic that often depends on the investor's strategy and exit plan for the property.

https://www.biggerpockets.com/forums/51/topics/1113749-cost-segregation-faq

See discussion here.https://www.biggerpockets.com/forums/530/topics/1210625-fed-...10-year will trend up, before down.