Doing a portfolio loan will help decrease the cost (relative to the loan size) however you will run into issues if you decide to sell these properties individually in the future.

That's a difference of $32k more in PV/equity...and that number will exponentially increase in future years because of the higher base.Now before you mention the decrease in cash flow, let's say your CF was cut down to 1/3 of the $11k/year. 

If you look at the 10- and 5- year treasuries (that most lenders tie themselves to) it has just been a slow and steady decrease of the last year that I think we can continue to keep an eye on.However, there are so many factors that pay a role in that and a continual drop is not guaranteed.

Here in our local residential market in Northern Nevada there was a notable uptick in homes contracted and a corresponding decrease in days to contract in October I think largely in response to downward pressure on rates.

As an accounting professional, I am seeing less people asking about accounting services which is an indirect sign that traffic is down on the website and general interest in real estate is decreasing.

Politicians continue to make policies that inflate your dollar and decrease your effort, but they make moneyThe best way to break free of the cycle is to remove your kids from the government sanctioned brainwash known as public schools.

Days On Market have been increasing for several months:(As a result, rents are also flatlining or decreasing. 

We have decreased rents substantially and shifted focus to retention. 

There is a fixed amount of work and required attention for every property that doesn't decrease as you add more units, so aside from maybe some vendor consolidation and bulk supply discounts there isn't much in the way of Economies of Scale. 

Note: we have seen about a 30% decrease in homes listed right now after many people pulled off-market the end of March.