Now is the perfect time to switch from an SBA loan to a Commercial Loan with rates as low as 8.5%!

It will be a higher interest rate then conventional.

May be difficult to do with mortgage rates higher - unless you buy a 2-4 family.2) Rent out, move home and save funds for an owner-occupied 2-4 family purchase with FHA 3% down.

The rate will be about a point cheaper than any investment alternatives.From a cashflow perspective, more units equals more money. 

If we moved out and didn't do the ADU, the building would cash flow about $500 a month (more, if rates come down and we refinance).

We do as part of our projects when people partner with us or pay a discounted rate

Rates peaked above 8% for 30-year fixed in Oct. 2023 before pulling back to around 6.6% just earlier this month.

.-- Also, just peruse around Airbnb's site looking at listings, seeing what rates look like. 

The 5 year proforma by DEFINITION is based on a whole slew of assumptions about a whole host of issues in the future - national economy, local economy, interest rates, cap rates, rental rates, political and geo-political factors.

And then even with fees, you're net is better than the lower rates you're offering at FF?