I know of at least two big players in the lending space who have begun asking for a higher rate if you had in a sec 8 / HAP leases.

But SFH are already seeing renewals at 2%-4% and release rates up at least 5% YoY...that number is even higher on some luxury ($3k+/m rent) homes as those are harder to find.The rest is entirely speculative.

If rates come down (most likely not in 2025) you can refinance or just shovel cash-flow and pay it down quicker. 

With that low interest rate, you will have paid down a lot of equity in the deal and should be able to finance with a bank.

For Non-Admitted carriers, the important item to then pay attention to is the AM Best rating (or equivalent rating agency).

There will be multiple markets you can achieve a 7.5% cap rate especially if you're buying with cash.

It’s quite appealing as a long term investment - even at today’s rates.

It's debt you'd still have to pay back, but at least you will not touch one of those two amazing interest rates. 

Quote from @Edgar Duarte: hi allI would love to get some perspective from your expertise, we have a property that we would have to sell in 2025 to avoid paying taxes on the capital gains, we believe we rcan sell it for $700K and get an equity of almost $500K after paying the mortgage balance, if we invest all of it option in index funds at 7% rate (standard com growth calculator), or in more rental properties as we are all here for, I can get the equity of around $900K.option B would be keep paying the house at 2.3% int rate while we have it in AirBnB and maybe sell it in 10 years for $900K, knowing that we would be paying taxes but it is not that bad still. or we can 1031 at that point?

We have an A+ Rating with no complaints.