If you try hard enough you can find a lender who will work with you to get past debt-to-income issues and the number of properties financed.

I love the idea of acquiring multiple properties with cash refi's and then use the cash flow to snow ball your debt.  

I am debt free and contributing to a retirement fund.

The B2R is another good option.The portfolio lenders won't care about how many financed properties you have, and can give you exceptions on any debt to income problems when they're related to income property.

Essentially leveraging out cash and getting into massive amounts of debt.

Your cash flow is perfect the way it is, and having any debt on it decreases it much too much.

The plumber was called in and removed the blockage and the restoration company has provided fans, dehumidifiers, and microbial compound to kill the bacteria associated with the overflowing fluids.My downstairs floor is laminate wood flooring.

All of my loans are conventional on my properties and they scrutinize everything from my cash reserves, my income level and needless to say debt to income ratios. 

If they have so little for housing, they are often dealing with a lot of other finance and debt issues.  

Home prices range from $40k for a 2/1 rancher that is vacant and needs full restoration to $400-$500k depending on size and location (some riverfront, no private docks).