Generally speaking if they are all CA SFRs, rented and/or all income is fine, credit is good, and looking to go conventional, your rate should be in the low to mid-3's depending, even for cash out w/probably a pt or 2, depending on how the loan is structured. 

Conventional How did you add value to the deal?

Finance options: home equity loan vs conventional??

I used a 3% conventional.

I'm a digital marketer and investor that has helped several agents dominate their markets and then grow to have their own brokerage.A few things I noticed between the successful and unsuccessful brokers are:The successful brokers found a niche whether by location, housing type, or by client type (i.e. they only work with investors like those on BP; really the best niche because investors don't usually need hand holding and we don't care what a place looks like.)They work with agents that also pick a niche.

The rates will also be higher than your conventional loan options.

The other option is refinance the loan into conventional and buy a new primary 3.5% down. 

I was wondering if there is a way to refinance the single, seller financed loan into 4 separate conventional loans for better terms and to take cash out.

Does anybody else live a pseudo Digital Nomad life, owning a few multi-family (or other type of properties) and traveling between them, and doing a short term rental while you’re not living there? 

Given your experience, what holding you back from being able to enact a lead generating digital strategy on your own?