It could provide valuable insight into timing your refinances strategically across 3, 5, 7, or 10-year terms to hedge against market fluctuations and avoid unnecessary risk.

Properties a pieces of the market they are in.The strategy you use should be based on the market. 

The only figure I can’t determine is the monthly mortgage because interests fluctuate and the down payment.

Based on my research, several lenders stand out, but I’d appreciate firsthand experiences.Key Considerations:Loan Terms: Fixed rates up to 35 years, interest-only periods (e.g., 10-year interest-only options), and non-recourse structures.Competitive Rates: Recent transactions show rates ranging from 2.69% to 4.65% depending on LTV (55%–80%) and property type.Lender Specialization: Some lenders excel in specific areas:Greystone and Walker & Dunlop lead in Fannie/Freddie volume and large-scale refinancing.Arbor Realty Trust is praised for smaller-balance loans and flexibility.CREFCOA offers streamlined refinancing with 45–60 day closings and cash-out up to 80% LTV.HUD 223(f) loans provide 35-year fixed terms, ideal for stabilized properties.Questions for the Community:Have you worked with lenders like Greystone, Arbor, or Freddie Mac?

A HELOC offers flexibility and interest-only payments but can be risky with rate fluctuations.

Xeriscaping (low-water landscaping) is increasingly mandated in many HOAs, and buyers are scrutinizing water-hungry features like traditional lawns.Rising Construction CostsMaterial costs have fluctuated significantly, and labor remains tight in the Phoenix construction market.

The truth is you can never get it "accurate" as the actual numbers will fluctuate year to year.

Key risks in the BRRR 2.0 strategy include construction delays, cost overruns, market fluctuations, and difficulty refinancing if the property doesn't appraise as expected.

Identifying the right properties, executing renovations with care, and remaining cognizant of market fluctuations help investors transform undervalued homes into profit-generating portfolios.

Financing is also easier since lenders prefer predictable rental income over the fluctuations of STRs or MTRs.Short-Term Rentals (STRs) and Mid-Term Rentals (MTRs) can be lucrative but require more hands-on management.