For a couple of reasons, I'm also considering looking outside this area:1 Prices are significantly higher in my area than other parts of the country and it would tie up a lot more capital to get started.  

I've been a Licensed Mortgage Loan Originator/Mortgage Broker/Loan Officer (whatever your preferred term) for the last 15 years.

. - The closing costs/fees would result in a total cost to loan ratio that is too high, making the loan not compliant- The couple lenders that will refinance some equity out will not bundle the properties, generating sizeable closing costs for each of the 3 loans.- One commercial bank I've spoken with will bundle all three properties into one loan, however will no approve me due to debt to income ratio; I have a mortgage in my name for my father in laws house (he pays mortgage and resides there) so they see the debt but no rental income.- Hard money will do the loan but with rates at above 8% with sizeable origination fees and significant pre-payment penalties.I was hoping some of you seasoned folks could help me figure out some creative financing solutions for this little conundrum. :)

Ultimately only you can decide if you prefer to continue doing the same thing or look at bigger properties. 

I have a couple properties right now, but have a package of single family properties under contract right now, and am looking for a good insurance agent/broker to give me some quotes.

A couple of follow up questions.1.

Preferably anything above year 1990!

He however is not interested in lending longer than 10 years out and would prefer 5 years or less.

A couple years ago I sold my SIngle family rental and bought a duplex with the proceeds.  

Thanks Josh Caldwell and Albert Bui I talked to couple of loan agents and they all said I don't qualify for a conventional if I am self employed without 1 full yr of tax return even though I had solid full time work history of 10+yrs with no gaps in employment.