Since getting started we have learned a lot and have built quite a few systems and processes to increase efficiency and maintain consistency within our business. 

The increased efficiency is achieved at the cost of buyers' best interests. 

That may increase your cost or limit the coverage you can get.The Year that the following were updated (either partially or fully) would be good to know:- Heating systems- Roof- Plumbing- electricalSome companies will not write properties with systems that have not been updated.As long as you are living there, the proper policy for a 1-4 family is a "Homeowners" policy.

As your portfolio starts to increase, you can start creating single-member LLCs where the property is located, and then you can put all these LLCs in a trust.

It looks like most of them have been listed for 2-3 months, so you aren't unique.Another consideration is your distance from the city. 

As rental rates increase, cash flow becomes strongly positive.  

I think it will increase down the road, but right now the town is a bit on the past.

As someone else had mentioned, the prospect for appreciation should be a strong consideration. 

Leverage will be reduced from the max available, reserve requirements increased and, typically, you would be required to use a professional property manager.

And while I agree that debt is often the cheapest form of capital, if you are looking at a project that involves some form of value-add business plan, you can always refi either when rates come down or you have increased the yield on the asset to exceed your interest rate.But like Stuart noted, for many groups, even the most seasoned syndicators, raising call cash for their deals is effectively impossible.