Much more flexible to customize a solution that works.

Was looking for more simple solution.

I've turned this question a thousand times in my head for the last few months and I've found nothing (out of about 15 solutions that I disscused with my mortgage advisor)@Engelo Rumora, I'm not getting in Real Estate to brag or something...

Any thoughts or solutions would be appreciated ! 

What we teach is to be a SOLUTION PROVIDER.  

Laminate doesn't break but it can also be messed up.Just thinking on what the best solution should be for replacement.

Again I'd be surprised if that had positive cashflow so check your numbers carefully but that's a solution if you really want this property.

Here's a solution regarding your strategy as it is the one I want to use as well : When you hit that wall, the point where you can't have loans anymore, let's say you have 10 loans for 10 SFHs, here's what you can do: Sell them all, cash out, buy an apartment complex with a commercial loan (since the financing doesn't take into account your personal debt ratio) and start all over again with SFH.

looks like I found a solution to making the deal go through.

Even my parents took notice of my new interest in investing and are willing to stay in our small apartment in order to make a more long term solution to either "buy and hold" and/or possibly try to "flip a house".