Oh and one other thing, refinancing or getting a HELOC is not free - there are closing costs, appraisals, points, etc. to consider. 

If I am about to search for some kind of cash out refinancing options, is it best to keep the properties in my personal name for now or should I move them into LLC’s before searching for financing options?

@Matthew Porcaro congrats bro🔥🔥.I did not to far from the same.House hacked a triplex with my lady, then she got a duplex that was house hacked and bought time we was done we was able to pull equity out of both and buy another rental and our dream home that we fixed up and have a lot of equity in (bought for 450k worth 850k now)That dream home allowed us to borrow against and put 20% down on our next rental and every year we plan on doing the same refinancing the rental we bought a year ago as a long term brrrr.Came to the reality that it’s really a marathon and not a race.

I was planning on refinancing with CMG and pour all the rental income of this property (3 units) into it to pay down the mortgage but also have available cash for purchasing / rehabbing other properties.

Specifically refinancing debt/loans?

Since refinancing and investment income (like rental income) usually aren’t seen as earned income, it likely won’t affect your mom’s survivors' benefits.However, if your mom’s survivors' benefits are based on disability (SSDI), then additional financial or property assets could trigger a review, so you might want to consult a CPA or financial advisor to be sure there are no unintended consequences.This isn't legal advice.

I have 80k that i can invest into a property The House is valued at about 900k he refinanced multiple times and he owes about 600k Mortgage is fixed at 3.4% for 30 more years Per month its at 3500 Right now 2nd floor is a two bedroom 1st floor is also a 2 bedroom.

Consider refinancing carefully, as an 8% rate will increase your monthly payments significantly.

I also don't want refinancing risk, so any deals with only 3 to 5 year debt are out for me.

On our last BRRRR deal we refinanced at 65% LTV... it's conservative but it's a string to pull to hit our COC target (about $150 per month) at that time.