See numbers below...Purchase Price$121,000Rent$1,200Appraised Value$125,000Mortgage Balance$93,553Vacancy$100.00PITI$746.97Maintenance$50Future Cap-Ex$100PM$120Lease Fee$83.33Total Monthly Expenses$1,200Projected Cash Flow-$0.30I'm interested in possibly refinancing to reduce the mortgage payment (increase the cash flow).

I'm fairly confident that I can find roommates to help me pay off the mortgage.

Keep in mind it will be a 12 yr variable with a balloon payment due but that's not bad at all even if rates increase. 

The rising property value has increased the taxes to the point where it is eating a lot of my cashflow.

I've learned so much and gained so much confidence to make that leap!

With your learning you will gain confidence along with your property acquisition experience. 

Our commissions increased based on the number of loans closed per month, and the volume of those loans.  

Here's my thinking.The cash flow, ROI, and potential margins from Multi-Family seems to consistently outweigh that of single family- from what I've calculated- without a great increase in investment total or difference in sale value.

That process doesn't work if you buy a nice house with a maximum LTV conventional loan because you've done nothing to increase the value.

Once you have one under your belt, you'll become more confident to move forward with others.