Hi John,As you mentioned, refinancing to acquire more properties is a great way to increase your return on equity. 

I would highly advised from borrowing from your uncles until you are much farther along in the process. 

I think your best bet would be to go through your rolodex and ask them what they are looking for (asset type, specific returns, timeline, etc) and become a bird dog/wholesaler where you would sell the deals you find.

I would say there should be a few options at that loan amount - the most common minimum for DSCR lenders right now probably more like $100k or $125k - I would say only a small portion have as high a min. as $150,000

The only cost the deal needs to absorb that's relevant is the interest, and even that is really just the delta between the actual interest paid and the tax savings on that interest on your federal return. 

If you are rich and want to park money with a modest return then hire everything out.

A good way to generate income in Huntsville is through multi-family unit investments, which could result in high occupancy rates and consistent rental income due to the city's thriving economy and expanding population.

I charge 10% of the monthly rent, and if I have to go to the property in person for a routine inspection or to oversee a large job or high ticket estimate, Its $25/hr + $0.50/mile driven.Hiring a professional manager is ideal if you dont have the patience, mental space, or availability to receieve random spur of the moment repair and emergency requests.

:Class A Properties:Cashflow vs Appreciation: Typically, 3-5 years for positive cashflow, but you get highest relative rent & value appreciation.Vacancy Est: Historically 10%, 5% the more recent norm.Tenant Pool: Majority will have FICO scores of 680+, zero evictions in last 7 years.Class B Properties:Cashflow vs Appreciation: Typically, decent amount of relative rent & value appreciation.Vacancy Est: Historically 10%, 5% should be applied only if proper research done to support.Tenant Pool: Majority will have FICO scores of 620-680, some blemishes, but should have no evictions in last 5 yearsClass C Properties:Cashflow vs Appreciation: Typically, high cashflow and at the lower end of relative rent & value appreciation.

You can rent by the room, which can maximize rental income.Parent Guarantees: Many student leases involve co-signers, usually parents, which can provide additional financial security.Low Vacancy Rates: Due to the high demand, vacancy rates tend to be low, especially if the property is close to campus or in a desirable student neighborhood.Flexible Lease Terms: You can structure leases to fit the academic calendar, which means you can adjust rents annually based on market conditions.Cons:High Turnover: Students typically stay for shorter periods, leading to higher turnover rates.