I will be willing to pay a bit more to know that I can get another piece of filler stock without waiting weeks.But since I dont live in the houses I built and rent, I am looking for the most value.  

I wouldn't add it to the down payment unless it is necessary for cashflow, because the tenants will pay down the mortgage for you.

All four units are occupied and the tenants are currently paying their rent via cash in person.

Once I have significantly more, I think would go ahead and just pay cash for an investment property or fully fund a flip for an investor. 

So far I havent found any deals that would pay investors 6% and leave anything afterwards.

I will need to pay my help as we go.

I asked AI should I pay Cash for 1 home then refi or buy 4 homes with 20% down on each home for 139000 3b ed 2 baths then im stuck a 4 home till i get another 20% down there answer was When deciding between paying cash for one home and refinancing later or buying multiple homes with 20% down, there are several factors to consider.

I’d recommend going with a broker as they usually have better interest rates, and paying attention to rates (mortgagenewdaily.com) to see if they’ve fallen since you locked your rate and you could potentially float down to a better interest rate

She pays the rent on time but is generally difficult to deal with. 

There are going to be a lot of properties sitting on the market and doing price decreases (but they won't come with a built-in system like turnkey) and you are going to pay up for turnkey and insurance right now.