A white privileged successful man could just as likely go postal. 

The PMI gets higher as you step up from 85-90-95% LTC.So even if you can get approved for this, you need to ask yourself are you willing take on potentially years of cashflow loss, for the privilege of owning the property?

So when I stop contributing to the roth and HYSA will I be able to let it still grow in compound interest?

We are still early in the game so some are speculating on that part or some are speculating as inflation hedge or some just hold to collect the compounding interest.

My simple math suggests that you probably have to shell out $600k in cash (25% down + furnishing, travel, and make ready costs) for the privilege of losing $1,000-$5,000 per month.

Just like wealth, knowledge compounds overtime to something much larger than you ever imagined it could be.

This business is tough, it takes time compounding to really see results.

As you stated, that leads to higher property taxes and higher homeowners insurance as well, and when combined with higher property values and a 150% climb in interest rates, it compounds affordability issues.

The power of tax-free compounding growth can be really meaningful over long periods of time.

Plus, leveraging multiple properties can help you scale faster, and the cash flow from several properties can compound over time.That said, paying down debt aggressively on one property could provide peace of mind and financial security, especially in an uncertain economy.