In the United States in 2024, mortgage rates are generally tied to the overall bond market, as most residential mortgages, including conventional qualifying mortgages for owner-occupants, residential investment mortgages (DSCR loans), and even other alternative residential mortgages (non-QM), are securitized.

An alternative can be Non-QM or non-conventional financing.

Alternatively, you could also just apply a % annual appreciation based on historic data, but those typically won't give you the most accurate market data since they're averaged out across all/most property classes (e.g. a single family home may appreciate differently in your area than a mobile or multifam property, etc.) 

You might consider adjusting your rental rate, negotiating with potential tenants, or exploring alternative rental assistance programs that could cover a higher portion of the rent.

Suggest alternative activities or ask if they can ride scooters outside instead.

Too much risk with low quality contractors these days, or alternatively you have a big hassle factor.

Alternatively, Pinal County, with areas like Casa Grande and Maricopa, offers slightly lower property values but promising growth.

Keep an eye out for 'loop holes' or alternative perspectives..for example a client recently approached us for financing a 16 Plex.

However, it allows you to use the vacant rents of 75% market rent as an alternative income to help the borrower to qualify.Happy to connect and assist you in your real estate investing journey.

Getting alternate financing (wm2nd, heloc, etc) for equity position may be possible but it will 1) be at market rate 2) may increase the due on sale clause.