I have some properties in mind that I think would work well (both short and long-term) but I don't have money for down payments.

Also file a complaint with the CFPB Submit a complaint | Consumer Financial Protection Bureau (consumerfinance.gov)Regarding do you have any legal action - you can prove you do not owe it but you will not get any compensation - courts have ruled long ago the only recourse you have is actual money you lost - there is no "pain and suffering" if a statement is incorrect and you have to fight with them on it.

- At what point for return on equity, do you feel like you are not leveraging the equity well enough?

I sent you a private message on here as well with more details, I would love to get you in contact with the right people.

I'd love to own some land here in Middle Tennessee as well.

Hey @Hannah Stern - this isn't an uncommon situation, depending on how well versed you are on the property it may be wise to order your own inspection to pickup on any faults that could affect the underlying policy. 

I know there is other software out there that can be utilized as well but after research, I landed in Hemlane. 

Ownership changes, but NOT mortgage liability.Investors do NOT put properties in LLCs to protect themselves from lenders, it's everything else!

A well written management contract should clearly spell out what is expected of both the PMC and the owner, to PROTECT both and avoid misunderstandings.

However, with a 5% down conventional loan, there isn't a strict limit on the number of properties you can acquire, as long as you meet the lender's criteria.One strategy I've seen work well is using the FHA loan to buy your first multi-unit property, live in one unit, and rent out the others.