It is a horrible feeling to post a question or comment and not get a single response; especially if you are new to the site.  

I'm looking for single family in B class or better neighborhoods.

I have more than 4 mortgages (total 7 + Primary + HELOC) 1 Bank says that I cannot even Refi any single property and would have to do a commercial loan. 

Commercial loans tend to be 20-25 year term loans with a 5 year balloon (meaning your rate/payment structure must be redone every 5 years).Looking at the Fannie Mae eligibility matrix, you should be able to go as low as 15% for a single family investment property and as low as 25% for a multifamily.  

I currently own a single family, which I house hack.  

REI is the single best investment class that I am aware of.  

Your best bet is usually to use whichever ACH platform your software supports.  

My single family rental is cash flowing $200/mo the last 5 years on 2% leases and quality, new tenants for single family homes are easy to find.

There is a giant goose egg along Milwaukee from about California Blue Line to Central Park and Milwaukee and four or five blocks out from Milwaukee where there isn't a single SFH or MF listing and hasn't been for months.

That's what I kind of figured, but I know my car loan would accrue additional interest every single day after the 1st until it was paid.