For example, I am a little concerned about some aspects of the business cycle recovery and a potential for a double-dip so I lean toward the safest part of capital stack which is debt (or low-debt equity).

People that are good at branding and review designation can bury those low reviews and I wouldn't want to own someone's reviews but I am not your audience as far as a projected buyer as we purchased ours for a deal and they are both higher end beach stilt houses that are side by side and neither had been listed as a STR on any platform, we built it up with a direct book site and also use the platforms as well as the local website in the area to book. 

There is a book in the library called "Low (and no) Money Down" that discusses the various methods of financing purchases.

So I had a windfall and can sort of "semi retire" with a part time low stress job. 

It's a game-changer where you can buy a $1,000,000 property with $35,000 down, you can build equity while keeping living costs low.2️⃣ Partnering Up:Real estate is a team sport.

Maybe they are trying to annoy people with low rate mortgages on purpose to get them to refinance (conspiracy theory alert)?

Main benefits to this strategy include:- Low down payment options (as low as 3-5%)- Acquisition experience- Property management experienceThe NYC metro area has nearly 2,000 available 2-4 unit listings on the market.Other new investors consider the BRRRR Strategy.All the best to you on your journey!

Nor would I pay retail for a property with that low proforma return even though I like PR.  

I generally list my property low for a month just to get some booking and 5 reviews. 

Could be legit, up to you on whether you want that low of interest rate for owner finance.