Typically Credit Unions are good sources of capital for Lines of credit but when it comes to refinancing there seems to be quite a bit of red tape.You want to work with a broker who essentially has the entire mortgage industry in the palm of their hand and can put you into the product best suited to meet your needs.

I have a handful of properties that are owner financed and I am looking for a better solution to managing the amortization schedules.

Until I start making and attending physician salary, should I try getting into the duplex/multifamily world?

Unless someone is starting a cult, you probably won't even have 8 adults in a SFH anyways. 

On the other hand, if the single home doesn't get rented out, we can just move in there too! 

It will still be a period of time before rates start to come down further and it will take months before it is felt on the for sale market.

I have been investing for awhile but have only recently started picking up properties that I know will not cashflow because of the prices in the area I invest (Dallas/Fort Worth) and the higher rates.I am still picking them up because it will still pay down debt and provide me with depreciation that I can use to offset my flipping and lending income.

With this info in hand you can determine if it makes sense to move forward or call it a day.  

Without time, investing in hands-on real estate is a recipe for failure.

Wanted outcome: I want to keep some version of an affordable residence for my kids to use as they start out in early adulthood.