And I still have two not bringing in income in need of rehab in great neighborhoods.

Also, the ability to refinance and bring home a much higher return.

They aren't trying to keep you from lending.So where to go from here.You can attempt to borrow money from someone / bring on an equity partner but you will have to redo most of your loan docs to bring that person in.You can negotiate with the company and find the reasoning behind the dollar amount (again, I am guessing it is because of the stuff I have already addressed above).You can try to look for a new company.

Keep in mind that usually your higher cap properties bring on their own problems and require greater attention, but it depends on your investing strategy/style and what you are comfortable with.

Bring all of your financials with you and just down with an expert.

Sure you can learn from them but most of them are just rah rah get excited to make money i've found that most learning comes from doing a deal and networking with yor other local investors it's much more personal and informative that way. heck you may even be able to bring on a more seasoned investor as a partner with you.

Another week of time lost.He brings his plumber through to give me a bid on the project which ends up being 7k, i had kind of accounted for this, but there was some extra work that had to be done which brought it up another 1k (and another 1k bringing it up to 9500 in the end).

My motivation for real estate investing is to find an investment that will beat the stock market while being a learning experience that will bring me closer to FI.

All of which I would have had to bring to the table in cash.

They might contribute money to match yours and might bring valuable lending relationships.