Raise rents, reduce expenses (shop insurance, appeal taxes, refinance, etc). 3.

@Chris Kay beleive you can do DSR loans without a job as they qualify the property, not the borrower.You'd still need 20-25% down though.That's where you have a decision:- Pay down the mortgage, setting yourself up for a future refinance to free up your VA Entitlement.OR- Save up for your next acquisition.Only YOU can make that decision as you have to be comfortable with the increasing debt-load risk and the additional time to manage everything.

A cash-out refinance can provide liquidity while keeping the property, though it carries risks.

You don't need to know everything to get started; you need a foundation to build on, and the rest will come through experience and then refining your education.You can build a basic understanding of investing in 3-6 months.

Just be mindful to keep relationships with your tenants strong.I’m curious... if you had to pick just one route right now..sell, refinance, or optimize..where do you think you’d lean, and why?

It just might be a different strategy involved.Cash flows through refinance or sale or operating cash flow is the same in my book.  

Cogo does fund some deals I have been paid off from refinances they did on properties I had a loan on or owned and was selling. 

Did you do a refinance and it affected the property? 

Would it be a good idea to refinance and get access to that equity, or don’t and keep the favorable interest rate?

Then you have a whole new house with additional equity you created perhaps then you can get a heloc on that home if you cannot refinance it.Talk to lenders about your plan before so you can make sure it will work with you.