Does anyone have a strong opinion on one versus the other or is there a different platform for online collection that you prefer and why? 

I background check the property they are selling and it is totally in different owner. 

I'm located in Central Washington (Wenatchee Area) and I have a Cash Out Refinance scenario that I need a solution to and i'm hoping you all can enlighten me on some ideas or referrals.We have 2 properties (1 - Four-plex, & 1 - Duplex) with 2 loans that we would like to consolidate into 1 loan on the 4plex with the duplex then owned free and clear to make available to open a LOC for future investing opportunities as they arise.We owe 158 on the 4-plex and 91 on the duplex for a total of 249kthe initial appraisal came back at 300k for the 4-plex but it's very low for our local market.

I would describe them as cumbersome, expensive and typically totally unnecessary. 

I told myself ahead of time that whatever the inspection report comes back with, I had up to 5k in total to spend on the house.

I have come to believe I should have a substantial portion of my net worth invested in a Schwab Total Stock Market Index Fund (SWTSX) or Vanguard Total Stock Market Index Fund (VTSAX).

This is totally false. 

Lots of development that comes on-line 2 years late.All that being said, there is one market for high rise condos and different market for homes/ low rise property.

I'm still new to investing, but I've been told that on a multifamily property you are only able to borrow up to 70% of the total value.

@Jim Adrian, I totally agree with you on what a credit score is.