So for starters, I like to dabble in the cheap housing segment, currently bank with chase and chase doesn't do mortgages on these cheap homes I like to buy. Over the last 24 months in Houston I've been able to acquire 4 townhomes ranging from 1400-2000 sq ft for $50k,$50k,$63k, and $64k. They rent solidly for $800-950/mo and realistically I could probably go higher but Im not interested in squeezing every single dollar out as Im more interested in quality of tenants and im already getting well over 1%/month so Im thrilled. I invest in these properties to supplement income, I already have a business.

Anyways I've paid cash for all 4 properties + have 2 pieces of land I lease out as well. I spent almost $500k total cash for the 6 properties and I'd like to know how to best finance these cheap properties in the future. I genuinely hate applying for mortgages, I have one on my house + another on my vacation home and the process makes me want to rip what little hair I have left out. Is there any way for some perhaps smaller bank to set up some sort of cash access line to buy these homes quick and an interest rate thats low? I just dont want to apply for a mortgage for each and every one.

Are there any banks that let me borrow against all 4 properties I have, Im assuming I can't borrow vs the land? If the 4 homes are worth lets say $300k what amount could I borrow and at what terms, bc those 4 properties are grossing almost $4000/mo today and Id like to maximize my returns.