Thanks in advance for your help on this.

@Paul Whitehurst Without equity or cash it is very hard to scale.

Thanks in advance.

I plan on renting a unit and probably getting a roommate or two in my unit to maximize cash flow early on.

Thanks so much in advance!

Duplexes cash flow better, have less risk, AND EASIER TO MANAGE compared to a SFH.  

I also find that if I am booking out too far in advance I am likely priced too low.  

As far as their relation with the PM goes, the PM is the agent they used when buying the said rental, agent is local to Indianapolis, as for any form of PM agreement I do not know, it may be verbal, or they have a written agreement.Thanks in advance. 

Quote from @Mary Jay: Quote from @Jay Hurst: Quote from @Mary Jay: hi guys,so I have a lot of equity in one of my rentals but the interest rates are super low on it. so I dont want to do a cash out refinance on it because I dont want to lose the 3% interest rate on it.I want to get some cash out of it via Heloc or another vehicle,  so I could buy another rental, but its not my primary, so I cant get a HELOC on it from lots of banks....I think PenFed does helocs on rentals, but because I have more than 5 rentals, I dont qualify for their HELOC loan.IS there a bank that would give a HELOC/cash on a rental?

Thanks in advance and happy holidays again!