@Brady BitterThe main thing i was debating with myself was whether or not i should treat single family portfolio  similar to a commercial or multi-family value add deals - the main difference is how its valued - on commercial/multifamily the value is a factor of its income, while single family is solely based on sold comps, therefore have less control over the value and are left to the market's valuation which tends to be more volatile comparing to rent rates.I think the IO route could be safe if you are Conservative with the LTV and have enough cushion to sustain any downturn that provide enough time to liquidate,

When filling out Schedule E should I claim it as:1. 3 different properties - 1 multi-family residence and 2 single family residences2. 1 property - commercial 3. 1 property - multi-family residenceI assume option 3 and that makes it easier to fill out, but I wanted to double check .Thanks,Andrew

Or people scared of a stock market crash and liquidating some stocks to put into real estate. 

I don't like the liquidity of the assets (or lack their of), but that's the name of the came.  

Calculate your Liquidity Ratios / Leverage Ratios / Coverage Ratios / Profitability Ratios.

Some of the tenants are on month to month and some are about to expire in couple of months.

@Candace PriceA lot of factors go into the rates provided.The asset, location, your net worth and liquidity, your experience, your SREO, the property financials, your relationship with the bank, your down payment, etc.Assuming you’re good on all fronts. 3.5-4.0% wouldn’t be out of the ordinary with some IO on the loan.

For example I got my property from an owner that needed to liquidate due to a divorce. 

All of the cash I've flagged for real estate is liquid.

What sort of liquidity do you need?