It's definitely worth a listen:https://www.passiverealestateinvesting.com/the-pros-and-cons-buying-all-cash/Basically you should do what you're comfortable with but you can generate more revenue, faster, if you finance since you can then buy more properties faster.

It’s really not glamorous and the initial work can be difficult and stressful, but the more you know and the more experience you gain the more comfortable it becomes.

Adding more bedrooms could be beneficial to your cashflow but remember you are trading comfortability for profitability.

This makes me more comfortable and it’s more my style.

I am trying to understand the dynamics and really the timing sequence of finance/refinance for BRRR and it seems it’s a good amount on the talent/comfort of the broker.Could anyone open dialogue with me on this and discuss sequencing funding for this strategy.

If I were in your shoes, I wouldn't worry about potential tornadoes here. 

Personally I don't have any friends or family that I would feel comfortable enough asking to lend me that kind of money because most of my friends and family don't manage their money all that well so I'm probably the best out of any of them that have money that has been managed relatively well.

One way to get more comfortable with this, is to structure any excess capital that one of you brings as a loan, with a fair, but relatively low interest rate.However you decide to structure it, I would suggest hiring an attorney to reduce the agreement to writing.

Now I'm looking for only decent areas i am comfortable walking around at night. 

Our agents are instructed to take their shoes off and ask applicants to do the same... it conveys that the unit is clean to the applicant and also starts the expected condition for the property.