Many other firms offer the same knowledge at a fraction of the cost because they don't have office overhead or tons of highly paid employees to float.

The rental (SF) is paid off i.e.

@Steven CatudalWhat was the prior valuation compared to what you paid for it?

Another draw back is short term your expenses will be higher because you are paying the mortgage plus paying back the loan but that is a short term draw back until the loan is paid back.How it works: I have experience with my wife's company and mine, each is a little different. 

Property taxes need to be paid.  

I signed up for the paid version of Stessa through biggerpockets only to encounter flaws in their software, connection issues that have been ongoing for 10+ months, and basic feature missing that leave me dumbfounded. 

I don’t understand how you can have 13 rentals that are paid off and a primary residence that is paid off and still need more cashflow.

But basically with a construction loan you will need to have considerable cash involved - most costs need to be paid for and then the bank will reimburse at certain checkpoints.You may want to start with some smaller value adds inside the existing house to maximize rent from the house hack. 

Our commercial loans are also with them so it would be great if all of our loans were in one place, but in order to refinance all of our loans with them now I’m guessing we’d sacrifice a few points on some of them and have higher payments impacting cash flow not to mention a lot more interest paid over the term of the loan which makes refinancing a non-starter unfortunately.

I hope you haven’t paid them any money.