Just be careful or just don't do it to eliminate this risk.As for the money with your parents, if they haven't said "yes you can borrow that when you need to replace the plumbing in two of your units", then I wouldn't count on it.

They will have to show the bank there is enough collateral with the remaining properties to cover the debt.

If you try hard enough you can find a lender who will work with you to get past debt-to-income issues and the number of properties financed.

I love the idea of acquiring multiple properties with cash refi's and then use the cash flow to snow ball your debt.  

I am debt free and contributing to a retirement fund.

The B2R is another good option.The portfolio lenders won't care about how many financed properties you have, and can give you exceptions on any debt to income problems when they're related to income property.

Essentially leveraging out cash and getting into massive amounts of debt.

(not included in Pro, Premier and Online versions)Cost segregation - can be accomplished in QuickBooks Pro, Premier, Accountant, Enterprise, Enterprise Accountant and QuickBooks Online Simple Start, Essential and Plus version.Our RECOMMENDATION: Use the QuickBooks Enterprise version, you can eliminate couple steps which makes the data entry easier.

Your cash flow is perfect the way it is, and having any debt on it decreases it much too much.

All of my loans are conventional on my properties and they scrutinize everything from my cash reserves, my income level and needless to say debt to income ratios.