We have always taken it one property/loan at a time, one concern for us is if we got one loan then tried to get the second the bank may not qualify us based on income to debt rations if it dues not include the $2875 rental income the properties are producing.

I may be in the minority but I avoid scratch and dent for a rational or maybe irrational fear. 

I would need to know the value that particular group provides before I would rationalize that kind of trip.Carolina, my concern is overlooking something or not knowing enough.

Terry your thought seems very rational but when I was going thru this process and went to two different DMV office's and spoke to probably 6-7 different government workers, nobody came up with this solution for me.

I'm able to control the re-sale in calm and rational manner.

Another reality is many of these landlords/property managers don't have data collection (appliance types, maintenance records, etc.) at the level needed to make rational informed decisions.

We brought a 5-plex to RBC last fall with a debt coverage ration of 1.7 and only paid 20% down.

when, upon waking up in the morning and looking in the bathroom mirror, you find yourself developing a striking resemblance to Quasimodo.....when you find yourself rooting for the anti-hero in a Charles Dickens novel...when you realize that over the years you have gone from reading the "funnies" to reading the "obituaries".....when "bad news" somehow appears to you as "good news" , which you somehow rationalize as "Tony Robbins style" positive thinking.....

Is selling it a rational option in this market?

What is happening is that banks are no longer loaning (creating) that additional money, the reserve requirement is still 10% (just an example, I'm not sure what it is exactly) but that is the minimum requirement, the banks don't have to lend (create) that additional $900 as they don't want to take on additional risk right now (very rational). 3 years ago, the $700 billion in TARP funds would have added trillions to the money supply (inflation), currently, the banks took that money and actually decreased the money supply with it by writing off bad debts or purchasing other beaten down banks at a discount.