If I can park the 388k ($415-27k) for one year at CD rate of 4.5% and then est 300k (after paying cap gain/depr recap) at 3.0% (assume CD rates lower) that interest income of about 24 months net of ordinary income tax is about the same as my current mortgage.Trying to play devil's advocate and think why selling this year does not make sense. 

., Purchase Price: $475,000 ($197.9/sq. ft.).Estimated Market Value: $402,000 ($168/sq. ft.).Financing Terms: 2% interest rate, with a 9-year balloon.Unit B Income: $2,049/month (Section 8 tenant through November 2025).Unit A Income Potential: Similar rent or higher; Section 8 cap for the area is $3,234/month.Monthly Loan Payment (P+I): $1,386.Cash Flow Breakdown (if both units are rented at $2,049/month):Gross Rent: $4,098/month.Vacancy (10%): $410/month.Operating Expenses (37.3%): $1,376/month.Net Cash Flow: $943/month.Key QuestionsWould you be comfortable paying an 18% premium for financing at 2%, especially in a market where current mortgage rates are closer to 7%?

Quote from @Leo Gregoire: I'm assuming you werent taking 15% of gross off the top for cap ex, vacancy, and maintenance? 

your use of CAPS on the word FULLY is helpful. 

Depreciation recapture applies at ordinary income rates capped at 25%, increasing your tax liability.

I plan to put a $600 utility cap in the lease.

I would touch base with the lender and get some feedback on why they are capping the LTV.

It's the cap rates that don't always deal with direct dollars and instead talk in percentages (unless you pay cash for the property).Okay let's see.... ($2000/month = 12% return) vs. ($500/month = 1000% return).

You cannot set up the rules and put caps on what realtors should charge since commission is negotiable.

It’s not just about the profit margin or the cap rate; it’s also about building trust in the community.