I am now 29 and wanting to grow at a faster rate- and also ensure that I am making smart moves, rather than just grasping at whatever a bank will give me.

Quintessential coastal PNW with beaches that are among the top rated anywhere. 

However, value add with a sale is not as implacted by rates.  

What about rate and term refinancing?

What is the interest rate on the mortgage? 

As-is cap rate of 7.5% in my market (kc) would be pretty awesome to buy. 

I've had smooth loans close with Kiavi and I've had rough ones, same with Roc.When Loans start to be troublesome:1) The borrowing entity docs are a mess2) The appraisal numbers are lower than expected3) Messy background reports4) Loans happening in an environment where market/rate fluctuating unpredictably 5) Your loan officer and their team are poor at their job6) Title issues that depend on county docs, that can be slow and painfulThere's more but it's Friday and I'm tired....

Interest Rate: 6.5% per annum (fixed)5.

At the pro forma income, the cap rate would rise to 8%, which is more reasonable but only achievable after renovations.

Note if you go over 4 units, your valuation will be based on NOI and comp rate.