I’ve heard on podcasts that developing a depository relationship with small local banks could result in more favorable interest rates and more flexible loan products after some time with the bank. 

I even went out to Memphis last year to drive by my properties and meet with MidSouth. 

Rates for DSCR on a purchase today with good FICO should be in the low 7s so just run Market Rent Divided by estimated PITI and if you're above 1.0 then you don't need to worry about the appraiser's opinion of that basement (my gut says appraisal gives no credit to projected rent out of the unfinished basement... but perhaps it doesn't matter?)

The easiest way to have a quick turnaround is to find a wholetail deal....a deal that you get off the market and then put back on the MLS to sell at market rate....maybe all you did was clean up and paint.Here in Chicago, all deals are hard to come by right now...what city are you in?

Does not need to meet the previous sufficiency test. 

Have refinancing rates gotten better or is it recommendable to wait until next year to see what happens?

Pace Morby is the guy i look up to the most when it comes to creative financing, and i was wondering if i could meet up, or hop on the phone with somebody who knows the game pretty well to grab some advice. 

Our stock/bond portfolio is currently at around 30X expenses, plus we own our primary home with $200k outstanding on a low-rate mortgage.

The appreciation rate in Columbus has been 8% higher than the national average over the last year.

Due to interest rates and overall market conditions, sourcing SHF or small multifamily LTRs that cash flow is still challenging unless you're putting down a significant amount or finding deals off-market.Nevertheless, my team and I still have an extensive network of investors focusing on SFH deals and small multifamily acquisitions.