Total rent between the three is $3200/month.I have an adjustable 20 year mortgage with a balance of $100,000~ at 4.95% that is set to adjust in 2026.I also have a HELOC on that property at $180K~ with a 9.75% rate.

Learning about dynamic pricing is a great next step to boost your revenue by adjusting rates based on demand and seasonality.

You may have to adjust your expectations. 

Even big names like Opendoor who in the past offered little to no compensation has adjusted their marketing to include compensation in an effort to sell homes during this cooler time of year. 

The adjuster has reached out to ask some questions, so I know he actually opened a claim.

Since you are splitting up your property books, (your property manager doing part and you doing part) it will be a little messy and require adjustments at the end of the year.

I just looked at the sheet again, you must have that growth built into your formulas ( i have not downloaded it, just looking at your link) you should have a way to have a growth input %, some areas do not Appreciate like others and you should be able to adjust that.

Discussing a shorter PPP or reducing it through rate adjustments is possible.

It might take you 25 years (not 10) to replace your (inflation adjusted) current income (gross or net?).

The advantage of the SBA financing is that you will only have to bring 10% to the table, but you will also have to show with the existing building and your Adjusted Gross income that you have the capacity to pay for the new debt.