The higher appreciating plays of these will be in TX or OK but with the higher interest rate that comes with the dscr loan I'd be prepared to put more money down. 

In 2022 I also sold my money pot personal residences for $961,000 and purchased it for $154,000 in 1999. $500,000 was tax free due to being married.  

There is a book in the library called "Low (and no) Money Down" that discusses the various methods of financing purchases.

However, I also have ways for them to pay with cash, card, money order, cashiers check, and personal check.

Find a rich old guy who has made a crap load of money in real estate.  

@Tom HallAt 7% if you can I would pay it down as investing it net after tax gains may not get you the 7% you are paying - so it’s less riskDownside is you lose liquidity of that money as it’s tied in your propertyIf rates come down in future you can refinance and even take some of the cash out.Regarding your question are rates coming down, a lot of factors come into play but right now it does not appear there will be significant changes to rates over next 3-6 months.

If your side could rent for $1,400 then that's what you should pay so you have money to set aside and build a reserve.

Was able to get some money from cares-aide.

The bank isn't going to let you blow their money.

I suspect I will throw more money at a problem Airbnb has no interest in covering