@Abel Teklu I wanted to get a traditional loan but since it's 4 different properties they cannot be bundled, thus, making it a commercial loan.

.- full bathroom update x2-A/C RepairThose are the main ticket items

This is just a general question, but I see it discussed on here a lot that your rental properties are under a different insurance company than your primary residence (and other items) because usually your main insurance companies aren't great with investment insurance. 

If that helps you sleep at night.Stock market traditional has a slow August.

Once you know, you can estimate better what it would cost to replace those items. 

Then again, my preferred areas to invest are traditionally blue collar, solid working class areas.

The various books links below are those that have inspired me as well as equipped me with actionable items to move forward in my journey of finding financial freedom through Real Estate Investing.

Will probably end up landing around 1.25m-1.5m total cost.Conventional mortgage Pros:     30 year fixed, traditional 20% down, best interest rate Conventional mortgage Cons:     5 new sets of payments, 5 sets of closing costs, 5 times going through the conventional process (sounds painful), will use my last 5 conventional loans avail (at 5 currently)Blanket Loan Pros:      Simplicity; 1 payment, 1 loan app and processBlanket Loan Cons:      10 year term, 2-3% higher rate, 25-30% downThe properties will cash flow either way and I don't need the cash flow immediately.

Why not traditional lending? 

I don't see any way for traditional lending to work in this scenario and a HML probably wouldn't be worth the cost.