So many LOs were preaching mortgage rate cuts, this time around, and now I am seeing rates still the same, if not even slightly higher than what they were a few months ago. 

If you are in a higher asset class many deny on credit score which usually is not seen as income discrimination which is also fair but there are actually a couple left leaning areas where credit score rating can be seen as illegally discriminatory which is ridiculous.  

I don’t know of any other opportunity where you can net $10-20K (in some cases even higher) per month on a single residential property.There’s usually plenty of room to bring investors in and everyone involved still win, even in todays higher interest rate environment.Financially, residential assisted living is usually a more cost effective option for families than alternatives.

Well the good news is you can refi when rates go down. 

Ensure the STR’s projected income comfortably covers new debt, even with conservative occupancy rates, and maintain reserves for market changes or vacancies.

Many times if it sounds too good to be true it is. 5% down and 5% on a rate would be well below industry average currently

One number which does not include the original rate buy down, is $7K less than the original list, and does pay both the agents commission.  

So your monthly rate would go up by about 14%...

Meaning, if you google Dorchester, MA (community in Boston) the safety rating it going to look awful because it compares it to a national average.

I attended middle school here and spent many years growing up in the area.