If you can afford 4plexes, and your demographic is high quality, go for that.  

Just looking for other sources of good quality info.hope to connect with you soon

Meghan McCallum if I would do a brrrrr on a property it would be a long time hold and the area would be middle to low class.

Low down payment, while they pay your mortgage and also you can use W-2 to work on student loans. 

The stove is going to be important to tenants and it is a quality of life issue.

Also, you should be able to lock in a historically low fixed rate now by consolidating.HELOC is a creative solution, but not one I would advise.

Only when needing the lower rate to qualify for the loan. 4.65% is very low, consider we did investing for decades with 10% money.Homes usually are held for 7 to 10 years, so your savings on interest is limited and it's tax deductible to boot. 1-your tax rate times the interest rate is your real after tax cost. 

If so it will be more $Anyway to give you a ball park: it should be 4.5K each (parts and labor) on the low side and 10K each (parts and labor) on the upper side.  

Any of these strategies will work, since you bought low.

I would buy a partial or entire low balance note; or JV with an investor who buys NPLs and does a workout etc.