The property manager should be involved before you buy any property to give input on due diligence, how to increase income and reduce expenses, and to make repairs or improvements to maximize occupancy.Excellent property management is critical to your success before, during, and when planning to sell or refinance.To your success!

If you're refinancing six properties, bundling them into a portfolio loan might help you consolidate debt, reduce rates, and avoid individual property issues like this.Negotiate Closing Costs or LTV with Kiavi.

My tax advisor referred me to them, and I also utilized cost segregation on the properties, which significantly reduced my tax bills.

It’s hit and miss, really need to deeply understand what they offer, if they will work for you or against you, whether they sign the lease or you (I prefer me, to reduce that lock jn). 

I retired from my w2 job a few years ago, but recognize that no W2 income reduces loan options.  

Private funding from a relative may provide flexible terms and reduced financial risk, but formal agreements are necessary, and interest paid is deductible for you but taxable for them.Traditional investment property loans offer stability and tax benefits like deductible interest and property taxes but require larger down payments.

I’m not saying to reduce.  

Then ask them what your options are to reduce payments in the future.

To intentionally reduce the leverage more than required is a foreign concept to me especially in the San Diego market.  

Focus on optimizing the current fourplexes (improving rents, reducing expenses).