You can refinance out of a high rate. 

Its not even in the news cycle about "ambulance chasing laywers" suing high networth individuals. 

The accuracy of the appraisal depends on the quantity and quality of market data available.

:Class A Properties:Cashflow vs Appreciation: Typically, 3-5 years for positive cashflow, but you get highest relative rent & value appreciation.Vacancy Est: Historically 10%, 5% the more recent norm.Tenant Pool: Majority will have FICO scores of 680+, zero evictions in last 7 years.Class B Properties:Cashflow vs Appreciation: Typically, decent amount of relative rent & value appreciation.Vacancy Est: Historically 10%, 5% should be applied only if proper research done to support.Tenant Pool: Majority will have FICO scores of 620-680, some blemishes, but should have no evictions in last 5 yearsClass C Properties:Cashflow vs Appreciation: Typically, high cashflow and at the lower end of relative rent & value appreciation.

I have not come across a rate that high.

@Jaron Walling My guess is you are probably spoiled having gotten into the RE market before this high tide? 

I expect high 3800-4100. 

If you can't keep control of your personal finances, you are highly unlikely to succeed in real estate investing.

I would start by finding a quality property manager.

I'm still learning about what's realistic and possible, so I don't have this number yet- minimize taxes- protect liability exposure- if SDIRA is the right answer, the fees for custodians looked high - but moving the money will means saving my capital against market loss in my current Roth at the next downturn, so maybe the fees pay for the added security and additional benefits of REI.It's helpful to write this out.