If you have the cash to make a lump sum payment and are happy with your current loan terms, recasting could be a smart move to improve your financial flexibility.

It will ultimately depend on price point and what level of service you want to provide. 

If there's a lot more headache- then I encourage you to implement or improve a Complete Household System, try to get SFR's with 6-11 bedrooms, no more than 3 rooms per 3/4-Full bathroom, and make sure there's one (not more than one) beautiful living room with a big screen TV. 

Get a maintenance contract on your hard systems that feature 2x a year service.

If you’re serious about buying properties and doing real estate, then I would suggest working with the CPA that understands real estate even if the services cost more than your average H&R Block or some TurboTax program you can buy.

Keep detailed records of repairs, improvements, and rental income, and consider working with a CPA specializing in real estate to ensure you're taking full advantage of deductions and strategies like passive losses, home office deductions, or even the Qualified Business Income deduction if applicable.Good luck!

Nature campaigns, direct mail, text services, accounting, etc all in one place. 

Professional PMs use specialized tools to verify income directly with a tenant’s bank or payroll service, ensuring legitimacy.

And frankly we tend to over-improve a little bit, because I don't want to touch a house again in the next decade or two.

hard money is typically: some amount down + points to get the loan + interest to service itso if purchase price is $325K, you might be able to get 10-15% down from your own cash + the HML for the restit's not clear from your post what is going where