Former Realtor here, so no dog in this particular hunt. 

First things first, you’re awesome 😊Also, I’m happy to give you the “guy on the internet who you don’t know and now has advice about your financial future opinion”, but just remember that’s what you’re getting.It sounds like you’re going through the right mental arithmetic.

Hello,I have been reading through the Bigger Pockets Forums to hunt for your good and bad experiences with DSCR Lenders. 

However, I have been on the hunt for local credit unions who complete cash out refinances, and all the ones I have talked with only offer home equity loans.

Many in OZ did not realize all the information that could be found for free on the internet..

Agree with @Jaron Walling - forget what a stranger on the internet that, in my case, lives several states away says and ask questions of the two guys that you know that have 165 combined units in your market. 

I would be willing to help - but you know you need a lawyer - taking advice from people on the internet is not a great business decision.

You just have to be patient and always on the hunt.

The mom and pop landlord that I rented from (by my calculation and internet research) owned about 50 doors and had for a long time.

Wow Saber rattling letters to their LP's that will quiet some but other I bet it will have the opposite effect on .The internet/SM cuts both ways great tool for expanding ones business or it can tear it down.