Given that the BRRRR strategy hinges on your ability to refinance, it may make sense for one or more of you to keep your job(s), until you're business is further along.

When you go 5+ unit commercial lending, they care more about your ability to manage a asset then your yearly income or age. 

@Christopher Ade Quite likely their concern is just your ability to meet the occupancy requirement for the FHA loan.Some info from FHA that might help... https://www.fha.com/fha_article?

You will get complaints from your rentals about the local element and there is not much you can do. 

My legs, arms, hands, my ability to breathe, bowel control, and even had a stroke from cutting the vertebral artery.

I work from home, so I have the ability to manage the property to a degree.

Aside from providing the basics (ie. listing tool to get the property published to 10+ major sites, scheduling tool to schedule viewings, tenant screening with comprehensive applications -- pulled reports from TransUnion, which include nationwide criminal background checks + credit checks + eviction history, digital lease creation tool, rent collection tool, and maintenance tracking tool), some services also offer your tenants additional capabilities which makes it an easier sell on your end when getting them to transition over (ie. their ability to report on-time rent payments to the credit bureaus; this can create an added incentive for making sure they pay that rent on time).

As your portfolio grows, this can have a sizeable impact on your ability to borrow. 

In my area, rental that are managed by property management companies do not have the ability to deviate from the set qualifying criteria. 

We also have the ability to shrink the scope of data to specific cities as long as they are apart of our MLS.