I would also question how the house gained 55k in equity, or ~24% in 2 years when interest rates rose and demand fell.

We have an A+ Rating with no complaints. 

Quote from @Edgar Duarte: hi allI would love to get some perspective from your expertise, we have a property that we would have to sell in 2025 to avoid paying taxes on the capital gains, we believe we rcan sell it for $700K and get an equity of almost $500K after paying the mortgage balance, if we invest all of it option in index funds at 7% rate (standard com growth calculator), or in more rental properties as we are all here for, I can get the equity of around $900K.option B would be keep paying the house at 2.3% int rate while we have it in AirBnB and maybe sell it in 10 years for $900K, knowing that we would be paying taxes but it is not that bad still. or we can 1031 at that point?

Each property comes with its own set of risks and every investor must understand those risks and do the minimum - get 3rd party inspections, 3rd party appraisals, verify rents, jobs  and crime rates at city-data.com - before buying.

If rates come down (most likely not in 2025) you can refinance or just shovel cash-flow and pay it down quicker. 

2. don't use an appreciation rate.

It's debt you'd still have to pay back, but at least you will not touch one of those two amazing interest rates. 

For Non-Admitted carriers, the important item to then pay attention to is the AM Best rating (or equivalent rating agency).

Due to current interest rates, many CAP rates are much lower than they should be and usually there is only so much price discount a non-delinquent seller will be able or willing to offer.

It’s quite appealing as a long term investment - even at today’s rates.