I can get a lower mortgage payment even with my money down that will help build my savings, and many of the town homes seem to be newer/renovated inside.

However, TBills are paying too well right now so I've got money in those and iBonds averaging 5-7%/year, so paying off the mortgage doesn't seem wise. 

Establishing the Commercial line seems the way to go. 80 CLTV, that is what i have done, currently in the process of increasing the Loc

In our state $50 late fees would not be legal, either way seems like a scummy way to do business probably why so many hate landlords now a days, if its legal all good but not how I run my business. 

Hey @Michael Nelson, Pricelabs seems to be the standard here on BP.

It is a very straightforward loan, very easy process.

This seems like a scam post...

Based upon your post the Greater Boston area and markets even slightly outside definitely seem to fit what you are looking for so just wanted to see if there was something you were considering as a negative factor.. 

Seems like the software looks a bit different, but still curious how you account for property value, appreciation, depreciation and things like that.

While independent filing is feasible, especially with the help of tax software for straightforward situations, the unique elements of your portfolio suggest that professional guidance could provide the most value, ensuring you navigate the tax rules effectively and maximize your investment returns.All the best,KC