I'd take all the money and either pay down the mortgage all year long or save the money for the next down payment. 

By the way, this is just the beginning, baby boomers are now hitting peak "retirement" and have little in savings.

Sounds like you need to improve your credit score and/or establish a credit history and save up some cash.

Would it be unethical to birddog using a commercial broker’s saved searches on the MLS to find deals and take them to a commercial real estate investor/business?

I’d try to some local smaller credit unions and savings banks.

We have 3 rentals now and we are saving up to buy the next one.

I found Robert Kiyosaki's notorious “Rich Dad Poor Dad”, found BiggerPockets, and a short time later used an FHA loan to close on a duplex with the little money I had saved.

I don’t have much money saved up, but here’s the deal.

Where as if you hop from one lender to the other yes they may offer 12% compared to 13% but is that 1% really going to benefit you more than building loyalty and trust with a company/lender that will save you 10% interest down the road?

I am weighing a few options to pay down debt and save for property.