Nothing longer.It's difficult to get Fannie / Freddie loans until you are a little more established, so most people are stuck with 5 year bank loans as they build up the portfolio.

Since you own the properties out right, consider moving them to a LLC, and to further add to your protection, establish the LLC somewhere like Wyoming or Nevada.  

Establishing an escrow will increase the cost of the money but .... 

@Bryan Gamble I am working on my own website now.  

Ideally, a tax escrow payment has already been established on the account to help ensure taxes remain current going forward.Bob's approach will work if the borrower agrees to the large escrow payment. 

Angela, if you already have an IRA you can establish self-directed IRA and transfer your current IRA into it.

A major road crosses the tracks a couple of blocks from me, and the horn starts blowing a half mile away and continues through the neighborhood.Fortunately, the city has established a quiet zone through my neighborhood.

I think the main thing to take from this thread is establish a relationship with a local lender and try and get the shortest seasoning time possible.

@Bobby Hughes,I'm not sure what your options are with an annuity that has already been established, but I would ask your financial adviser / annuity account representative if you have the option to convert that annuity to another form of tax-deferred retirement account. 

Again, this is how the lenders think of these - there might not be much logic involved, just rules and policies established over time (likely from having been burned too often in the past).