In the next 5 years, we can buy one property per year with 25% down (~100K), and perform the same operation of using cash-flow for paying off properties next 15 years and we will have $15K/month net-profit which hits our goal adjusted for inflation (assumed at 3%).

What that means is that even if you "overpay" for a property today, there's a pretty good chance that the normal rate of inflation and general appreciation is going to make you look like a genius 30 years from now. 

.🔴 Questionable property comps: Overstated market values or inappropriate comparables may mean they’re inflating expectations.As always, thorough due diligence is your best protection.

most bankers are standoffish ;-)yes, the HML/PML will be higher cost, but my concern for you is the banker knows he can't do your deal, but will string you along for a while, ask for additional information that takes you time (and maybe cost) to put together and he ends up either ghosting you or taking 6 months to tell you no.I could be wrong and you may be dealing with a "unicorn" banker, but I believe a HML/PML that knows construction in your market will be easier to work with, actually close your deal, and end up "saving" you money in the long-term...just my 3 cents - even inflation has increased this!

Accreditation today has a seemingly lower bar than it was, say, ten years ago due to inflation.

Can it really be just a bubble inflated by FOMO, fear of missing out?

Just over 1% per year, well under inflation. 

Just like our BANKERS validate and question our deal analysis, you need to be the BANKER.Majority of the Syndication failures going on right now are due to either Short-term financing used on longer term projects- in a period of extreme interest rate hikes, material Inflation, or Covid related supply chain or personnel issues.You as the BANKER, know that all of the above should have been covered by the Syndicator and by you the BANKER. 

Would have done 2-3X better in stock market, and with 1000% less grief/stress. read this to start with Why your house is a terrible investment - JLCollinsnhAlso, big picture, residential RE, appreciates only at rate of inflation, on average both in US and abroad."

To accomplish this, you need an income that outpaces inflation.