Large banks win in this case.4.

Manish,Your best bet would be to run all (3) through the same bank and get a low conventional rate on each one. 

You COC will be cut in half with a minor 10% change... bet on that 10% change lol.Rentals and all investing like this is best done with a 5 year window and then working backwards, much less would need to happen for this to be a "good deal" in five years so on rentals I go with that and the 10k will be nothing. 

I'll probably order Jeff Booth's book, though I'm betting the big systemic issues he's addressing are more likely to play out over a very long period-- throughout my grandchildren's lives. 

Brute force and perseverance will of course win the day eventually but add a little brains to your brawn and success will find you sooner.

Your best bet is to consult an architect. 

that consistently winning is consistently the best ROI. 

I bet when you collaborate together well their caution and your gumption can be a magical combination.

A great win-win.

I am nervous about taking the next step and wrapping some homes in a commercial loan as I’m betting on inflation down the road with all of the stimulus and there is no way to know where rates will be once it is time to refi the commercial loan again.