@Roy Cleeves is also a great resource and an active investor in your local market. 

We are now actively looking for our next deal. 

Sorry if this was a bit long, but I'm really excited to be getting active on these forums.

Your books are where all activity is centralized.If you find yourself spending too much time on Quickbooks, it's time to outsource it to a competent bookkeeper (preferably one who specializes in real estate), especially with the size of your portfolio.

I would play a little hard ball, but look at the big picture!

I mean are you also a flipper on top of your agent activity?

Louisville has an active REI group (you can find them on the Meet-up app).

Just play it safe until then. 

This is how many went 'under water' or had more leverage than the value of the property during the great recession.Many portfolio owners with plenty of cash will maintain leverage between 50-75% as a safe play.

Just be sure the property will be for investment only as you there are restrictions on you (and other disqualified persons) using it.If you have self-employment activity, the Solo 401k plan will likely be even better for you than a self-directed IRA.