The best option is to proceed with a cash-out refinance utilizing a DSCR loan. you can grab up to 75%LTV all by using the current tenant's lease agreements to cover the debt service requirement.

Anyone remember the podcast from a couple of years ago where the guest talked about how he goes about raising rents when he inherits tenants who are paying well below market valueHe talked about making up a folder of his expenses as well rental comps and meeting with the tenants and having a two-way conversation about where to set the rent. 

It is way more expensive than the metered and my 3 unit building costs about $1400/year.

They are much better for people like yourself, who prove that they can keep their expenses low, and accumulate cash.

So many landlords set up these types of additional escrow accounts and fund them monthly to try and anticipate those expenses - but these are separate from the lender's escrow for taxes & insurance.All the best!

DunnReal estate is generally passive income - as you are not required to work to earn the income each month - it happens passively.  

We are both in our early 20s and keep our expenses extremely low (less than $2k a month).

Quartz is more expensive though right?

I'm yet to find anything that if a full BRRRR, everything i've bought requires a bit of cash left in the property. 

Also what are the dti requirements?