Definitely a personal preference.

It's free to sign up for an account and the savings account has a very competitive interest rate.

A good real estate accountant can save you thousands of dollars by leveraging entity selection and formation, tax deductions, cost segregations, bonus depreciation and tax planning.I recommend finding an accountant specializing in real estate taxation, business taxation, financial planning and tax planning.Consider working with your accountant remotely to expand your options.I would also recommend looking for an accountant willing to work with you throughout the year.

The interest rate on a HELOC or Heloan may be better than the personal loan. 

I do bot believe i have the personality or systems for it!

Make the highest return you can and then figure out how to maximize tax savings. 

Wrapping 3 properties into one blanket loan shouldn't be a problem, save these are sitting on any sizeable acreage.You might get lucky and find a unicorn local bank or credit union that would consider that kind of leverage, but I would say overall, those terms are very unrealistic.Cheers!

Your personal loan has a 5 year balloon period.  

Typically they charge a percentage of the amount saved. 

Be that person who set's up some STR's there, runs em there, and really caters it to the US "bucket list" tourist.