Everything lines up except for that, and I feel like I should still stay away but am looking for some people with more experience than I to give their opinions.

The only problem I can see....you linely used the bank’s title company, they are typically incompetent. 

I have done various RE deals over the years using cash, Heloc's (years ago) and business credit lines. 

If you don't qualify for financing, I would try a HELOC on your paid off home and use the credit line to "buy cash" and just pay down the HELOC as you would a loan. 

But if you ask me what is the most important to have when acquiring multiple rental properties with multiple tenants, I would say that the number one priority is having a very strong insurance policy structure as your first line of defense for any unexpected/extraordinary events.

You will not get the tax break, but building a Roth portfolio early in your career can have a huge impact on the amount of after-tax money you will be able to draw from your retirement plan when you reach retirement age.You will likely change jobs somewhere down the line. 

In my area, I can find MLS rental leases on line or talk to a real estate agent and have them send you one.  

I should have the benefit of getting accurate expense and income data for any real property to validate cap rate and other information.The bottom line on larger assets is NOI.

It includes all major assets & liabs, inc some pers prop that has value (or is individually insured) & I would consider selling to fund new found opportunities or if there was a major emergency requiring a change in budgeting/liquidity.My PBS is currently three pages long, broken into sections w/ sub totals to assist in analysis:AssetsReal Prop (Assessed, Purchase/Rent data, 2-3 free online providers like Redfin, then averaged.)Personal Property (Cars, Art, Hard Assets, things not in an account or "foggy" daily market value)Cash Accounts (ie funds w/ access not limited by age, Banks, Brokerages, CVLI, prepaid taxes,large pending incomes like insurance settlements & reimbursements owed to me.)MineSpouseCo-AccountsRetirement Accounts (or anything where access to the value is age restricted)MineSpouseBusiness 1 (Net number carried over from separate business records)Business 2 (List as needed)Liabilities (Would section these out too if I had enough to justify it)Listed in order of assets above if tied to such, mortgages, HELOC, etc.General liabilities listed next, largest to smallest.Net Worth CalculationThen I include several lines of totals; subtotal of amount available for conversion to REI, ratios & simple measures like mo / mo & trailing 12 mo avg % & $ return.My FI goal is over the long term to average at least 1% mo / mo gain in net worth.I have found this to be best for me for several reasons:I have a hard time visualizing a set $ amount as a goal because my amount required to retire would then seem too big to tackle.

Also if that someone does miss something that's discovered during an audit, they get fined and not me (obviously a pattern will result in a severed relationship, so I keep everything compliant to the best of my ability so that final QC/compliance package is a slow ball I'm pitching their way that they can knock out of the park).it only works if your like me a commercial ONLY mortgage bankers who is not doing all the CFPB stuff.. we just have to do a quartly mortgage call report on NMLS which is pretty basic I know this because even I can do it.. at least with the help of the help line.