Knowing where you're at in the journey allows you to switch products at different stages (IE at 4 properties, or when you get to 5, or 10, or 15+ and 20+ because pricing/terms change as you progress).I think the local banks and credit unions service another gap as their rates typically tend to be better but there are cons as well such as balloon loan features that require a refi/exit/sale at the end of 5-15 years.Depending on your strategy and outlook weaving different products can help solve your gaps in your strategy going forward.For instance, for me I didnt want a fixed term cash out commercial note so I just did a blanket commercial line across multiple APN# parcels because, we never know when a deal will come up and sometimes having interest charges with no deal doesnt make sense as the funds burn a hole in the pocket so to speak.As soon as I find a property suitable for a project I may use the lines to fund the project with an eventual commercial refinance out when it hits completion in order to pay back down the lines (reload for the next project).

But also to most $700/mo in a car note is acceptable, as is $300/mo in credit card interest fees, and withdrawing from savings to cover excess spending and student loan notes due.

I rent to college kids and always make sure the parents or someone is a guarantor and check their credit as well. 

If you aren't familiar, your expected return, aka discount rate, is determined by three areas; 1) risk-free rate (aka 10-year treasury bond) + operational risk (aka political, tenant credit quality, state, location, etc.) + liquidity risk (aka are you going to sell it?

A few weeks after paying the $25k, we set up our first meeting with our assigned CPA and started the so-called “advanced tax courses” provided, which are generic modules that only vaguely introduce financial concepts, topics, and terminology.

When I heard him speak in person and met him I knew he was the real deal and that I needed to join his course & community. 

Don't let lenders pull your credit.

A few weeks after paying the $25k, we set up our first meeting with our assigned CPA and started the so-called “advanced tax courses” provided, which are generic modules that only vaguely introduce financial concepts, topics, and terminology.

RetiredMD offers a great program for this and good courses and community for you to share specific details on.

Most will charge a reasonable annual fee, but think of it as insurance.Lastly, consider just getting more insurance, typically an umbrella policy to cover your entire portfolio, instead of OR in addition to an LLC.Of course, discuss all this with an attorney!