Please advise where I maybe miscalculated.

Or not unless you're named Derek Jeter or Ryan Howard, etc. . .While I am super-bullish on the next decade+ of the Tampa Bay Real Estate market, I always advise to not count on that. 

We cannot help or advise you as we don't know what you said. 

This is asking are you properly insulated, do you have correct layering, is your structure correct, are you advised legally, maybe with an irrevocable trust structure, and of course legal fund at parent level. 

Bad advise to the above I suppose.

Is it advisable to have garbage disposals for your rentals?

Please advise

Lender advised to do a refi/appraisal to see if home appraises high enough to remove.

For scaling purposes a CPA would be good to advise you on how to legally benefit with tax write offs but also make sure you won’t run into any problems in the future.

I have no real frame of reference because I don't personally know any agents that I can ask directly, so I thought I would come to this discussion forum for advise from professionals.