They have definitely become more challenging since rates have gone up.

This sudden jump in rates has not fully caught up with market cap rates yet since especially in the commercial and multifamily property markets, transactions typically take 6 months to transact, creating a lag effect between interest rates and market cap rates since interest rates adjust daily.

If you have some capital, income, and decent credit, buy a 4-5 bedroom house and rent bedrooms. 

Maybe they are trying to annoy people with low rate mortgages on purpose to get them to refinance (conspiracy theory alert)?

When loans were called, was it due to specific triggers like delinquencies, insurance lapses, or low-interest rate portfolio loans held by smaller banks?

Experienced investors typically value properties like yours by analyzing cap rates, cash-on-cash returns, and income growth potential.

Am I getting greedy to ask for an additional seller credit at closing to help offset some of repairs needed?

It could be helpful to you (lenders will want to see lease agreements) and it is good for the family member (they actually could do a program where them paying rent increases credit). 

@Helena Goyvaerts rate for a 30-year fix would be at least 8.5% with some points (1% of loan amount).Most DSR lenders have a minimum credit score requirement from the applicant.

this is basically the business credit coaching partner that works with you over the course of 12 mos. to help you build up business credit for your company.