If I'm in your shoes I would checkout any local RE meetups happening nearby, that would be a great spot to meet some other folks in your shoes and/or other lenders who might be able to give their perspective if it makes sense to pull out money from your home rn or not. 

If you're concerned with interest, you could do a consolidation exchange and  purchase fewer properties for cash using the proceeds of several old properties sold for cash  without taking out a loan and let those work for you till interest rates are in your favor.  

Maybe print out a list of homeless shelters that are nearby along with printing out a map and handing it to the people you see camped out there . 

Consider the costs of property management, especially if you don’t live nearby.

Fewer Surprises : With new construction, there’s less risk of hidden issues like outdated wiring or structural problems that come with older homes.3.

We gather all documentation into a Google Drive folder for potential buyers, including:Renovation details (brochures, warranty cards)Pre-listing inspection reportPre-listing appraisalWell system documentationSeptic system documentationSharing this folder with agents and on the MLS helps create transparency, leading to bidding wars and waived inspections, often resulting in offers over the list price and fewer repair concessions.By identifying properties that fit the rural buy box for entry-level to mid-priced buyers and tackling major expense items upfront, we remove risk from the transaction.

Will the CFPB install new regulations or fewer?

As a hard money lender who works with many investors in the Portland area, I can share some insights on maintenance costs for multifamily properties in this market, though individual experiences may vary:Lots of investors report a slight decrease in maintenance costs during winter months, bc of:- Fewer landscaping needs - Less wear and tear on HVAC systems (as heating is generally less intensive than summer cooling)- Reduced tenant turnover in winterWinter-specific issues can arise:- Potential roof repairs due to heavy rain or occasional snow- Gutter cleaning and maintenance to prevent water damage- Heating system repairs or maintenancePortland-specific factors:- The mild climate helps reduce extreme weather-related maintenance issues. - Older housing stock in some areas may require more upkeep. - Strict local regulations can also sometimes increase compliance-related maintenance costsCost-saving strategies I've seen help:- Preventative maintenance programs can help reduce overall costs obviously - Some investors report success with in-house maintenance teams for larger portfolios- Energy-efficient upgrades can help reduce utility costs in the long runYour specific costs will depend on factors like the age and condition of your properties, your management style, and the specific neighborhoods you're invested in, but hope this helps!

Expand your search to nearby neighborhoods, network with groups, and consider HOA fees, future appreciation, and rentability.

I’ve decided to just work on becoming more efficient and focused on the market nearby which might be a good solution for you.