Once you move out, your new mortgage payment or rent payment (you have to live somewhere) will probably change your debt-to-income ratio, and you might not be able to get the same LTV you can now.

I've also thought about reaching out to one of these major portfolio lenders and putting everything on more fixed long-term debt to increase my cash flow, but I like the idea of paying everything off in 15 years. 

Thanks guys, im gonna buy a duplex cause I feel like it only make sense, mainly because im from MA where its just as much to rent an apt as having a mortgage, but I do realize that a mortgage comes with more and I have some money saved and a partner.

.$1,680 (8% of rent)Mortgage $6,360Calculations:NOI = Income (minus vacancy)- Expenses (Prop tax, insur, and Prop mgt)         = 21,000- 4,080          = $16,920Cash Flow = NOI - Debt service (mortgage)                  = 16,920 - 6,360                  = $10,560ROI = Cash flow/ Investment basis       = $10,560/ $30,480       = 34.6%Cap rate = NOI/ Purchase price                = 16,920 / 129,900                = 13.0% Cash on cash = ???

We are currently paying more than double our mortgage to get rid of this debt, but we could slow that down to save for a down payment on another house.

For a poor place say jackson mississippi I might do 85%.Note this does not include bad debt or people who don't pay their rent which usually adds a few more points on top of that.

We are currently paying more than double our mortgage to get rid of this debt, but we could slow that down to save for a down payment on another house.

You can sign a bare trust at the lawyers for a few hundred bucks to be secure.Unfortunately, if your name is on title, then you need to service the debt. 

Currently I have 8k auto debt which I could pay off whenever.  

I mainly do buy and hold and have been focusing on multifamily properties.