The lender typically will not re-trade a loan with a capital markets broker as they can stand to lose a ton of business versus a buyer calling for a one off loan.

I want to know if I will lose the 3.5% down payment if these 12 SFR are in my name when I go to get the loan.

Am I definitely going to lose rent value going from cramped 3 to nice 2? 

I'm sorry to hear this.If I were in your shoes I'd start telling myself that I'll be very lucky if I only lose 2 months rent. 

The percentage may differ based on the individuals and their needs but again the diversity needs to be there.I'll always be a RE guy first because that's what I know best but if you can tax free money from a cash out refinance, place it into an F.I.A. ( Fixed Indexed Annuity ) an literally be guaranteed not to ever lose money unless you withdraw it during the surrender period.

You can have all the knowledge, and lose money because of the timing.

Stay hungry but don’t lose patience.

Can the store lose it grandfather rights?

Most Landlords will lose far more money and have far more headaches than if they had hired a professional.

Losing 24k a year I am sure is challenging.