They are exceedingly rare, thus very expensive, but I believe they represent an excellent long term steady income and store of value.  

Deciding whether to sell or keep renting really depends on your long-term goals.

From what you’ve described, it sounds like you’re more focused on long-term appreciation and future benefits rather than immediate cash flow.

These low interest rates make financing property purchases more affordable and appealing, enabling investors to secure favorable mortgage terms.2.

I also require additional security deposit and sometimes a guarantor if they were approved in this manner.I also agree that this situation sounds like a pattern not a one-time mistake or short term tough situation that caused this.  

For long-term growth, consider newer single-family homes in high-appreciation suburbs or well-located small multi-family properties.

Then being aware of the complexity of structuring the property correctly for long-term goals is important.

Why not 30 year term with a conventional loan?  

Looking at this property as a long term rental strategy.

the terms of your agreement with the agent will lay that out