The unfortunate thing here is that investment properties foreclose at a higher rate than primary homes so many banks just don't want the exposure to this.

Free attorneys from tenant-support groups are very effective in finding ways to block and delay.PS: for anyone interested in supporting our landlord legislative efforts please join the Rental Property Association of Wisconsin RPAWI.org which is a Milwaukee-based non-profit.Cashflow in Milwaukee is still possible at current interest rates, but you have to be careful to not "buy cashflow" with a huge capex liability that comes with old buildings! 

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. 

A mirror question is where you ask what is the average vacancy rate each month.

Before I refinance the HELOC, what are other rates our there?

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?

Great school district.

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

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