If you go strictly by math (and not by Dave Ramsey) the sweet spot is between 50% and 75% financing, so start with 75% and refinace lastest once you drop down to 50% and your ROE (return on equity) starts dropping low.

Is there a difference or are these the same?Thank you

I use ROE with COC but thank you for your input.  

At $500/month, your ROE is a little over 1%.

The title companies don't want to insure Tax Sales, because the former owner can come back and say that they did not have notice, or proper notice and overturn the tax sale years after the tax sale happened. 

There are more benefits to real estate outside of cash flow, besides CoC and ROI, what about ROE?

When you are talking about best ROE (return on your equity), DSCR Loans are generally going to be a best bet ***as long as you don't qualify for conventional options*** - typically DSCR Loans will have better leverage than more traditional Multifamily financing, but when starting out and starting to scale - the leverage options for the Agency-backed conventional Multi-unit loans are going to be your highest leverage option by far - however, people typically max out on these options pretty early on - until truly working with large multifamily (like 200+ unit properties) that qualify under Freddie

The ROE isn't worth the effort at this point.  

@Cullen EckertYour legal reference while being a nice try is really invalid because the court overturned it because governing docs did not include it whereas if it is a deed restriction that is completely different from that caseIt doesn’t mean you will win or lose but be prepared for a hefty legal fight that could cost you tens of thousands to defend and the HOA going to make your life.

I had seen elsewhere that Arizona had put out some legislation making it illegal for cities to ban STRs but has that been changed/overturned?