Opinions on current investing strategy

[David HIbbs]

Hi all. I want to get some opinions on how I've been purchasing properties. I appreciate any help. 

I have a full time self employed business that does well. That business helps us make the down payments on conventional loans through banks. We have 4 single family rentals. We fix them up, but don't try to increase value too much. We just try to get them back to rental condition. I haven't had any issues in getting them rented for the long term. Do you see any issues with how we are doing things? I haven't tried any other ways to purchase properties, such as hard money lenders or private lenders, etc. So far, it has worked fine, but we do have to come up with the 20% down every time. 

All the loans are on a 10 year note as we like to focus on paying them off. We are thinking about doing a cash out refinance to be able to get us some money to purchase additional properties so that we don't have to come up with the 20% down on the next property. That would get us additional properties, but would also get us another loan again. Anyway, that's how we've done it. Any suggestions or thoughts on this or anything we haven't thought about? Other things I should look into? I appreciate any advice. Thanks

David