Previously SF had fantastic growth to make sense in spite of restrictions, now its not growing as much either. 

With 5 properties and growing you would definitely benefit from have a real estate CPA advise on your portfolio.  

@Jake Simon Did you ever find a bank in Ohio that would provide a HELOC on an investment property?

I could find the best deal ever with 50% returns but if I can't communicate the deal clearly and explain the risk to investors, you are getting no money from them. 

In my world, I don't ever leave a charge unpaid for more than 30 days.Maybe you can find something useful in my utility guide.HOW TO SHARE UTILITIES 101You have a property with two or more units and the utility meters are shared.

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Anyone ever done this? 

For one, typically the board has to approve who ever buys it and even the tenant of sublet.   

I expect to buy 3-5 properties in the next year if I can find the right deals with hopes to grow at about the same rate year over year.  

So needs to purchase for the purpose of cash flow and it will grow with inflation.