After 3 mortgages (plus your 1), re-fi them into a commercial loan or sell all, buy multifamily, rinse/repeat.

Thanks  @Jason Wray - Everything you said was helpful but I dont understand when you say "cash out re-fi".

Good points, thank you @Colleen F. I

My name is Robbie and I am a new "investor" in Charleston, SC. I

i also found out through talking to my lender that their is a 6 month minimum holding period before re-fi if you use hard money or financing to make the original purchase... not sure if they all work like that, but i would think that's a constant caveat. 

Wi-Fi, gym access, daily newspaper etc. that at one time were included in the base room rates are now viewed as upgrades that can be charged without increasing the advertised room fee. 

What are you all using for security on your vacant properties without Wi-Fi or in some cases, no electricity?

Congrats on your ability to achieve FI and still live a rich life!

I then will re-fi and pay him off and the private money lenders that I found.

"Well, considering that your bank is probably just servicing the debt and threw it over the wall to FNMA/FMAC to slice/dice and put in a portfolio with 10,000 loans sold to investors - Good luck.I'd focus on your pre-pay (call your servicer for pay-off) and do a re-fi.