No - absolute max for DSCR is 85% LTV and that is extremely rare and typically not workable in this rate environment anyways.Standard/common max is 80% (acquisition and rate-term refinances) and 75% Cash-Out Refis

Sellers continue to drive the Valdosta market even during this higher rate environment.

https://www.nyc.gov/site/dep/environment/noise-code.page@Nathan Gesner is spot on.

I recognize there are other ways I could invest this cash (including another property) but I am being mindful of levering myself out too much in the current environment where job losses are more common in my industry (tech).

However, in areas with little appreciation, all investment capital must come from your savings.Summarizing, a city where you can achieve and sustain financial independence must have the following characteristics:Significant and sustained population growth.A pro-business environment with a metro population >1M.Rapid and sustained appreciation.If a city doesn't meet all these requirements, achieving and maintaining financial independence will be difficult.

Just to be candid and realistic - we are not in a cash flow environment right now. 

What doesn’t work today may work in the future.Another challenge with the traditional BRRRR model is the resulting high debt load often isn’t fully covered by rental income, especially in today’s high-rate environment.

As @JonathanGreene said, tech has created an environment that allows folks like you Jon, to enjoy investing on your terms so that you do not put all of your eggs into one basket (so-to-speak).

In today's tougher economic environment, I have recently experienced two cash calls.  

Let’s break this down:The case for holdingThe 4.75% interest rate is a valuable asset in today’s high-rate environment.