I'd even argue that making an extra payments beats the HELOC method slightly.

You've identified the lender's title policy as a junk "fee".You consider the lender's underwriting as well as the preparation of loan docs/security instrument by the lender's attorney to be "junk".There may be a few dollars to argue about in that list but not these.

If you can answer that question then the lender should be able to argue a VA multi-unit loan for you.  

@Jason Reinen I read Ken McElroy’s book The ABCs of Real Estate Investing when I had probably 5-6 buildings (around 20 units).

I tried to argue it but they of course did not want to hear it. 

But, if you are actually investing on your own and help people out with the same level you personally look at deals, I would argue you are probably doing a better job than 95% of the full time agents that never invest.

Here is the link with specific info.https://www.ada.gov/regs2010/service_animal_qa.htm...Now, some would argue that there are different rules for Fair Housing.   

-The ABC's of RE Investing-David Lindahl's: Multi-Family Millions, Emerging RE Markets, Apartment Houses Rich Course-Steve Burges: Complete Guide to Buying and Selling ApartmentsAny endorsements or suggestions beyond this list would be greatly appreciated. 

Does anyone have anything AT ALL to argue my point to see if my strategy will work.

However, for somebody that has a good portfolio and wants to simplify I would argue that refinancing and reinvesting is not necessarily the ideal approach given the stresses that it can incur.Again, this is coming from a place of ignorance since I am fairly new to investing but I think the beauty of real estate is that you can make it as complicated or simple as you like and tailor your investment to your vision for your lifestyle so perhaps the one approach fits all mentality is what I am against.