The slippery slop in both situations is that I would suggest sticking to one thing and not spread yourself too thin.

DSCR Loans are generally tied to the 5 year treasuries (granted not much of a diff) - and yes, spreads are a little elevated recently but that is good rule of thumb 2.5%-3% over. 

Quote from @John Clark: When I read successive “rah rah” posts, I smell skunk cabbage, but that’s just me.Perhaps, but also maybe folks are looking to spread positivity as a networking strategy, which resonates with how I aspire to be: Giving value in as many interactions as I can, because that truly is abundance.

Do you want big upfront payment year 1 or smaller monthly payments spread out over time.5.I'd also think about what you want to do with the money. 

You could also ask the employer if they can spread out the bonus over multiple years. 

A BRRRR strategy or house hacking with a duplex can maximize your returns.Consider leveraging financing to acquire multiple properties, which spreads risk and scales your portfolio faster.

If you spread the 300k across a couple of assets, you will do better long-term, but worse short-term.

Then there is a sort of echo chamber where social media spreads this idea to more and more people and somehow it becomes realistic. 

Biden is assembling his emergency thing because it's spreading across the world and the US needs to figure it self out or get left behind. 

As Dion mentioned it's not about a % of UPB, bottom line it's the spread of the discount and time held too.