When January comes, you will have two disadvantages:- you will have missed on the end-of-year planning opportunities- some of the most highly sought after professionals will be full and not taking clients anymoreAnd the longer you wait, the fewer choices you will have. 

The issue we had is that over time, our sheets get mixed up with other customers' (cheaper) sheets, and we ultimately end up with an inventory of sheets that are not ours.

If you want something more customizable with tons of game options, look into AtGames Legends Ultimate.

I hear everyone though, buying a home for STR is the next step and it is the better choice.

Or like some of the crowdfunders money flooded in and they made some pretty seriously poor lending choices and they themselves and their investors got wiped out.

Start with BiggerPockets Ultimate Beginners Guide (free).

You have to ultimately decide.

And it may ultimately be a scale problem --- it's hard to work with the "best" when you work on smaller projects.

Ultimately it will depend on the property (banks perform stress test-debt ratio)-but I think 5 year term is what I found so far.

It might also be unavoidable to live in a high cost of living area due to my career choices.