I have read that acquiring bank loans in some ways actually gets easier as the bank cares about the NOI, CAP rate etc as the basis for the loan and not the individual behind the company seeking the loan. 

Rates are killing DSCR.

Is it worth going through when the average yearly rate of s&p is about 10%, which is pure passive income?

Then use a multifamily FHA loan to pay off the loan I used to build the homes to hopefully lock in a better rate.

Great school district.

Each carry a different option in terms of Max LTV, Rate, and overall cost.

I am concern with the high interest rates but even with those I managed to cash flow which is what I am looking for. 

Lately with interest rates being higher and inventory being lower I've found it harder to find deals with significant cash flow in an area I want to invest in.  

My cap rates weren't near what was advertised.

It's mostly cap rates and CoC.