Just seems like you might reach your goal faster by using appropriate leverage.As far as how to raise your family...I guess you asked for advice but I really don't think anyone should tell another how to do that. 

Reduce Hold Times: The faster properties are flipped, the less risk there is, the less profit burned in holding costs, and the more deals that can be done each year.

In my opinion you could save 100 to 250k for an apartment complex faster and it would boost your net worth and kind of start a track record for you to the bank and future investors.

The idea would be that if you use less of your own money, you can do more deals at the same time, and grow your business faster. 

@Jason Bible Thanks for the insight, I’m leaning toward that path as it sounds like you can scale faster with the duplexes/fourplexes and they still qualify for conventional financing.  

Keeping cash out of a deal to leverage it further in another one is always the best way to grow faster. 

Short sales in most of America are sold at a discount because it's faster and cheaper for the bank than to go through a foreclosure.

The faster you're able to shut the door and open a new one, the better.Don't expect these PM's to be professional enough to help with the documentation you will need to transfer. 

I went through this process slowly and wish I found bigger pockets sooner to answer some of these for me faster.

The lender is likely telling you the 1% is better because you'll build equity faster.