What is the best financing method?

[Nancy Stark]

I am new to real estate investing. I purchased my first SFH this past August 2020. I did a cash out refi on my home and purchased 3 properties. Two houses are all cash and one is a traditional 20% down 30 year loan. I am taking a hiatus from my job in medicine so I have not been able to refinance the other two yet. Here is my question:

I may have an opportunity to purchase a portfolio of 7 SFHs. Should I pay cash for the portfolio and then one-by-one do cash-out refi's on them or try for a commercial loan to purchase the properties up front? 

Also, is it possible to qualify for a loan based on net worth rather than from a job? I saved a majority of my income and paid off all my debt over the years and now I feel like I have to go back to work just to get these properties into mortgages. How do I avoid being forced to work?

Thank you in advance.

[Alex Bekeza]

@Nancy Stark There are commercial blanket options that won't require any personal income on something like this. It would all be based on the DSCR/cash flow of the subject properties. What are they each worth in this scenario?