The return on equity is probably very low considering they are paid off so maybe explore refinancing or selling the lowest performing one(s) or your biggest headaches to reinvest in more lucrative deals.I noticed you also used a metric of number of rentals to attain your goal rather than $$$/month.

@Aaron Zimmerman HubSpot is a great CRM to use at a low cost.

I would encourage house hacking, you won't be cash flowing but it helps you save while you get your foot in the door with low DP.

If you have a class C plus or maybe low B area, you can screen to select the best or top end of tenants in the program. 

okc market is at historic lows for leasing(especially September) it has picked up some in Oct. 

Some of these renters are capitalizing on low interest rates and choosing to buy, but many are unable to buy due to lack of down payment or credit factors. 

The human race has historically been poor at predicting future, so it's wise to prepare for multiple scenarios.Mortgage rates in 2025 may decrease slightly if inflation stabilizes and the Federal Reserve eases rates, though they are unlikely to return to pre-pandemic lows.

I saw another builder local to me offering 4.99% financing. my question is how or who can offer financing like this on houses I build ? I am guessing there is either a preferred or in house lender with large amounts o...

Multifamily doesn't need any more pressure/demand since cap rates can really get low when too many people pile in, but I have to say that commercial real estate (including large MF) and other types of passive investing (mobile home parks, storage, etc.) can really make like much easier.

An avg buyer should just DCA into broad low-cost, load-free index funds.