So, yes, I am increasingly leaning toward HML given the ability to finance the whole deal including the repairs. 

I am looking for a few creative strategies for using the rental to purchase several other  properties , so I am considering selling it and paying off the mortgage and starting again,  or refinancing it and using the equity for buying other properties,  but this would increase the amount owed on two mortgages.  

I think it's fair to say that conventional loans are always cheaper in the long run but on the flip side if you can save 5-10% down payment you could buy more properties and increase your cash flow quicker. 

It'd make more sense to just take the straight line depreciation in this case.With the value increase selling is probably the best way to go if they need the money.

Will you increase the value of the property that cost 325k cash?

Lots of new housing units came to market, increasing supply and thus lowering demand.

You’ll get your feet wet landlording have a low down payment and be able to increase your savings dramatically.

I personally like the tile you have pictured but something with a bit of color could work too

So i have a question , I cant think of refinancing my property because if i do , I will have money in my hands but the debt will just increase and increase,  and therefore I will never get out of debt.

Aside from repairs, what else would you do to increase the value?