Assuming 20% down and a 7.5% rate (which is about market) you'll go from 9-10% to 15-20%, nominally. 

5-year prepay often has the sharpest pricing, but, 3-years can often be a nominal trade off or happy medium.

@Tina Artigliere To put you at ease, the role of the "custodian" or "administrator" for a Solo 401k plan is nominal.

Solid comment but also adding that 0.90x DSCR is not a hard minimum, a good amount (probably not a majority but not super rare) have "no ratio" DSCR loan programs with no min DSCR

Academic studies both in Europe and US, show the average RE investor underperforms the public equity REITs by 3.5 to 4% per annum, but that's average, and that equity REITs have outperformed the SP500 by 2% over last 50/40/20 years (NAREIT data c1974 onwards) but not in the last 15 yrs, when SP500 has 15.1% annual return since 3/9/09 and has beaten most asset classes. longer term SP500 return is 8.4% nominal and 6.9% Real since 1801. you can do both, but focus your time on the one you love the most if you have a preference as each stock or property requires 50-100 hours of research time typically before pulling the trigger for me, best of luck Kyle

They are high on a percentage basis in Detroit, but relatively low on a nominal one.

Nominally, I'll make 15-20% on real estate assuming reasonable appreciation (3-5%) at current prices and interest rates.

@Brandon Turner, although I am admittedly biased, I have been wanting to nominate my dad as a podcast candidate for some time.  

Chart below shows last 45 years, about 14% in sp500 and 8.7% in rental income producing real estate, nominal not real.so maybe if the 1% rule is telling you that single family rentals are too expensive?

You used to be able to sell turnkey properties for very nominal fees (1% listing fee if sold) via Roofstock with Stessa a couple of years ago.