@Dave Foster thanks for the reply, my goal is to delever my current portfolio, by extracting equity from my current house at a given interest rate to arbitrage business interest rate will not serve that purpose though it would help with overall cash-flow midly. 

It's a bit of a game - find the cards that offer the most value for your situation, extract all you can from them, and be prepared to dump them for a better offer if one comes along.

I wrote a real estate plan that will enable us to buy this ranch. 

In order for appreciation to continue at that rate there have to be a corresponding increase in wages and wealth in that area that will enable people to be able to afford those prices.

Most all banks will also count a portion of the rents of the occupied units if you buy a 2-4 unit towards your DTI so that can help offset the student loan debt in your DTI to hopefully enable you to qualify for a mortgage once you graduate. 

Any suggestions on a transaction management software system that would enable us to go paperless.

-Direct Deposit/Bill Pay-Lifetime cap on interest rate is often half of a traditional HelocInvestors love it, as it enables them to be there own bank.

That enabled us to get him in a property that needed minimal updates, met all of his needs, and gave him the amount of character that he was looking for in a home.One of the things we did with John was talk about how long he wanted to live on the property.

Hi Sanjiv,I currently manage 4 investment multi families, and am under contract for my fifth investment hoping to close in 2 weeks.I recently moved and bought a SF where I live now but prior to that I was owner occupying one of my multi families and my tenant was paying 80% of my mortgage which really enabled my to bank a nice chunk of change.

@Raju T.Depending upon where in the U.S.A. you plan to invest and which lender/bank you approach, you may be able to use your Canadian credit rating and income tax notice of assessment:If you bank with a U.S.A. subsidiary of a Canadian bank (TD, BMO/Harris, RBC), they have programs to enable Canadians to borrow in the U.S.A. to purchase real estate.