Rates fall off a cliff if you go 25% down. 

If it's below average, I would discontinue the lease when it's up and then do a renovation then put it on the market for market rate. 

In 2023 when the interest rates went up and my minimum payment tripled , I sold the house for a profit.

The highest rated businesses tend to get the best loan rates for their borrowing and also for buyers that want to own the properties with those tenants and leases in place.To get 30 year amortizations at the best interest rates fixed for a long term with 30% down you usually need investment grade BBB- or better rated tenants.

Save the low rate: Keep your current loan and focus on building savings for the next down payment through budgeting or a side hustle.2.

Don’t chase rates.  

FEMA implemented Risk Rating 2.0 in 2021.

yes but they may not pencil out or the rate goes up significantly.

PS Rochester and Buffalo were ground zero for much of this stuff also there were groups buying those homes for 10k packaging them up and selling them for 80k to investors from England. the city / state finally cracked down on that and there was some folks that got in trouble on the criminal side of it.. you can google it.. wont mention names but you can find it if you dig deep enoughBut this is nothing new.. buying hood rates for pennies and selling them for dollars to foreigners and unsuspecting out of state folks. 

Now were all standing on a field with cricket bat's and starring at some wickets wondering what the hell is a wicket.....