You simply will not find that product. 

What kind of loan product should I go for?

I was looking at a 5% down payment product that my lender last year said I could do.

**Local Credit Unions & Regional Banks**: Many local financial institutions in South Carolina offer investor-friendly loan products and might be more flexible with terms for a cash-out refi.

To answer part one of your scenario, it depends on what type of loan product you have on the investment property that you purchased.

Good news is the rates on these products have dropped dramatically in the last 3 months.  

.- You should pay for the premium version so you can see the comps that went into their calculation to factor if you have a superior or inferior product.- AirDNA is more accurate in areas with more comps and less variation in amenities and unique properties.- Check results against enemy methodBest of luck! 

Ask your financial planner to find an Annuity/Insurance product.  

@Arya Chen despite limited reversal in a few select markets with oversupply, the general demand for this product type is very high, leading to lower cap rates that likely won't change much in the near term.

Short term rentals can be advantageous for immediate cash production, but are more risk as compared to a long term rental.