This $100,000 would be taxed at the applicable capital gains tax rate (0%–20% federally, depending on income) and subject to depreciation recapture at a maximum rate of 25%.

I assumed that shopping around for the best interest rate would be good enough.

I would count on having at least half market rate tenants, in the event Section 8 rents are higher than market, which they are in our market (granted you will need to subtract the utilities from the rent).  

It's a tip I heard from someone which I heard increases the response rate. 

You will be able to get higher leverage, better rates, etc once you have more experience!

The objective is to upsell to a master mind program or the artificial intelligence datasets, which also have zero response rate.

Interest rates atm seem quite high so will ride this out a bit longer (and ratios will continue to improve over time.) 

However, what I don't know is how long have you been in your home (how much equity do you have in the home) and what is your current interest rate.  

We had been in a fast appreciation and low interest rate market for years.

In addition, all Rent payments hereunder not made within five (5) days of the due date shall bear interest at the rate of one and one-half percent (1-1/2%) per month"The monthly rent is $1550 so the late fee is easy - I've set the account to charge 5% if the rent isn't received within the 10 days stated ($77.50).