Most Veterans fail to refinance their home because it has a low rate.

I would also advise looking into a commercial loan where you do a "Blanket loan" and consolidate 3-5 properties into one (1) commercial loan that does not report to credit.If you refinance to take cash out the rate will be higher but rates will be back down in less than 3 years so its not a long term rate change.

Check past home values and rental rates using sites like Zillow and Realtor.com or local house market reports.

Floating rates have crushed some big multifamily syndications of late.

Also what are 1031 exchange fees?

I would say your best bet for your best rates and best payments would be a residential mortgage company.

For me personally, I find a tremendous amount of value in going through programs that help me learn at a much faster rate then what I could on my own as well as help me mitigate risk/self doubt.

What is considered a good origination fee, because I am being charged 4.139%.  

We do have an initial fee, but we strive to offer substantial value in return through our 100% financing, ongoing coaching, and profit-sharing model.

Since interest rates went up, hard to find cash flowing deals so I had to learn the terms business.