By doing this, you will get the best rates and terms.2) Refinance the loan with a Non-QM or portfolio lender.

Just send them a notice of non-renewal within the legal time frame.

Non-conventional money is best borrowed thru relationships.There are a ton of legitimate lenders out there and he safest way to develop a relationship is face-to-face.

Based on my holdings in the area, I usually spend at least a few thousand a year in fixing things up (I usually get hit with at least 40% of rent for all non debt costs). 

I'm looking to meet my equity requirement with non-liquid assets. 

So you need to make your leases flexible enough to allow for an occasional flunk out or unplanned medical issue. 

I support myself and my girlfriend while she finishes up medical school(graduates in 2020).

I run a non profit that helps people find work at no charge, maybe I can help.

@William JenkinsDoesn't sound like you would use financing for the contemplated investment of retirements, but if you did it would need to be non-recourse (either via a Solo 401k or SDIRA) and if done via an IRA subject to Unrelated  Debt Finance Income tax.

Also, when you get that big the loans become non recourse which is nice too.