This is my initial criteria, I think my next big step is learning more specifics about SFRs and the Dallas market in general so I'm certain those numbers will fluctuate.So if you're using SEO to find these off market deal, I'm assuming you're taking on more of the wholesale approach to investing?

IF there is a reason that you want to stick with this loan officer, you could *try* the approach I used to take with our local building inspector who thought *his* opinion mattered more than what the "rules" said on our construction project we do.He would tell my customers that "you need to do it 'this' way or 'that' way" which often was not accurate to what the code says (being a licensed contractor I know the code pretty well).I told my customers to ask him "can you show me in writing what covers this issue so I can better understand it".

I will highly appreciate your advice, how to approach this situation.

All while paying mortgage payments on capital that is not deployed.I'm not suggesting this approach is with out risk and there is a little more for me to look at using this approach but at this time I'm more comfortable with the numbers I'm running with the HELOC approach than the cash out REFI approach. 

So he approached me about picking up some of our C-class rentals.

Another approach is if you have someone in your family or friend that has good credit that can act as a PG to acquire business capital to use for your own projects. 

When these alemployees approach me it's always in a very aggressive and negative and sometime threatening fashion.

@Misty PorterI like the direct knock on the door approach.

Any thoughts on my approach?

One approach would be to decide on an asset class and market e.g. multifamily in central Florida, and then secondly decide on how to invest whether directly, via a syndicate, REIT etc.I have invested in a number of syndicated multifamily deals as a LP and GP so if you want any specific insights please feel free to DM me.