Pad Split tends to have shorter stays. 

This tends to be the issue with these lower cost homes, unless you buy them very very cheap.

These tenants tend to stay longer because they know they'll have a harder time finding a smaller house.  

Because you already invested and presumably can't get out, your brain will automatically be selective and tend to trust the positive information and ignore bad information.

If it's a refinance, brokers or institutional lenders tend to have great terms.

Most agents, I can tell you from experience, will not spend too much time on you since your so fairly new and at your purchase price your not a big fish so they will tend to put you on the back burner since heir return is not going to be a game changer.

During ownership, these tend to be more expensive to operate relative to other real estate and lastly, for the limited few who can weather the storm and can effectively operate these properties, there is still a need for refinances.

That may not matter to you, but I tend to want to work with other investors, even my loan originator, realtor, title company, etc.

It will be work doing something you believe in with odds of success with the outcome.Any avenue takes work because the top 10% in any field that are very good at what they do tend to make the most money.

Quote from @Jaycee Greene: it all depends on the credit scores, but consumer mortgages tend to have lower interest rates than commercial loans.