They and  NSB changes their rules and guidelines so often it wasn’t worth mentioning before. 4 years ago CCCU gave me a pair of cash out refis but they were only fixed rate for 7 years.

I know it's not very helpful but I found a fourplex near my area and it's for sale but I'm not sure how much changes when wholesaling apartments.

Costs to refi will be about $6,000.You do realize market conditions change. 

Congrats on the career change.

On the state side, in New York the law states that the following is exempt from transfer taxes: "a deed that effects a mere change of identity or form of ownership or organization but only to the extent that the beneficial ownership remains the same." 

Use consolidation and changing classes to end up with truly passive real estate investments like the DSTs that @Matt K. referenced or TIC projects - All passive. 

In many cases zoning has changed over time so that the property line setbacks and minimum lot sizes are much larger, which could render your lot useless for new construction. 

Changing lightbulbs, for example, is the tenant's responsibility. 

May be time for a change.   

I read that same book last summer, and not to be overly dramatic, but it did change my life in that we are soon closing on our second multi-family rental property.