Is there a scenario in which 8.0% is better even if locked in? 

Real estate is the better option no question.

Yes, after it closes, I'm going to write about my frustration with them on Yelp, the Better Business Bureau, and any other review sites I can find to expose their ridiculous contract terms."

Just feeling sorry for myself lol I will deposit the EM in escrow and if they seller doesn’t agree to that then I will skip the deal although it sounds pretty good to me.Is there a better way?

If you're still looking the NNI website has some recommendations for IBC practitioners by area. https://infinitebanking.org/ I will say that bigger isn't always better.

Never better.

And they may look at your experience in terms of qualifying you for a better rate.Another thing that gets overlooked is that everyone wants to cash out as much as they possibly can when they refinance. 

Better be on the top of your screening game with studios/motel type units.

Keep it simple until it makes sense to build out more complexity.Its always better to date before you get married.

I would love to go bigger and better as Denver has a huge need for affordable housing and this is a great way to help fill the need.