I always get out of the rat race first!

I would recommend considering conventional financing until you reach Fannie Mae's limit of 10 properties, then consider either a portfolio loan, and start your race to 10 again, or look at DSCR at that time. 

We are all running our own race!

If you use it as several down payments and use leverage you could be off to the races with many more Class B or C units that will still cash flow for you.

Eleven years and 28 properties later I'm finished with the rat race; I'm 50. 

It's like blaming the Pinto driver for losing a race against a Corvette, its not going to happen.

The human race has historically been poor at predicting future, so it's wise to prepare for multiple scenarios.Mortgage rates in 2025 may decrease slightly if inflation stabilizes and the Federal Reserve eases rates, though they are unlikely to return to pre-pandemic lows.

Quote from @Race Ostler: Great post Robert.

But if you’re new, relying on that razor-thin margin of error can feel like racing the clock in a marathon you’re not fully trained for.

What you have described sounds like a real estate  race to the bottom and you will be in the lead .