I mean maybe for this specific Credit Union lender they might only do 5/1 ARMS on investment properties but that is far from a "rule" in financing, there are plenty of lenders who will finance your rental properties out there with a 30-year fixed rate loan if you shop around even a little bit

Did you shop around?

When or if it comes time to refi or purchasing shop your options, I would say not all lenders are created equal and what I mean by this is with Sasha and I both being brokers we may have options that your hometown bank or credit union may not, and what it cost to buy down the rate is different from lender to lender. 

Talk to your local community bank about pre-approval or pre-qualifying, then shop B and C class areas for investments.

I've listened to @David Greene's podcast and bought the book - and now here I am, sitting in a Greensboro, NC coffee shop documenting my journey so far. 

I would set up shop back in TN for buy and holds (or another mid-west state)... make money there and live here.  

Make money and honest, professional way. and have passive income.I currently work in a Pawn Shop, I quit my last job at the luxury home builders, mostly because I ACTUALLY want to DO something and have something to show at the end of the day for my work completed.

Soap - elbow grease - ionization machine (maybe), Dehumidifiers, shop vacs.Assess from there.  

The important thing is that, ideally, the seller is shopping your multiple offers, rather than offers from other people.This is one approach.

Close shop on your dog walking business and get a job in real estate first."