@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.

The biggest factor is thoroughly review their credit score report especially on time payment record and score.

Currently content is a big factor is rankings. 

Your relo benefits will likely govern this decision more than other factors.

Obviously, two factors are responsible for what will likely be more than doubling our money in 3 years.  1.

I've included an example below to help illustrate this.So different lenders have different rates (which do vary even for DSCR loans) but these are factors they all consider.See example below:DSCR < 1Principal + Interest = $1,700Taxes = $350, Insurance = $100, Association Dues = $50Total PITIA = $2200Rent = $2000DSCR = Rent/PITIA = 2000/2200 = 0.91Since the DSCR is 0.91, we know the expenses are greater than the income of the property.DSCR >1Principal + Interest = $1,500Taxes = $250, Insurance = $100, Association Dues = $25Total PITIA = $1875 Rent = $2300DSCR = Rent/PITIA = 2300/1875 = 1.23If a purchase, you also generally need reserves / savings to show you have 3-6 month payments of PITIA (principal / interest (mortgage payment), property taxes and insurance and HOA (if applicable).

There are many factors, as with any real estate market:(1) Location. 

Yes, I use Zillow reporting as a start and look at other factors.

Influence or control can lead to a beneficial owner even if you own little equity.Also it is 20 FT EEs AND $5M Revenue AND a physical office.

Is it driven by higher rents in that market or what's the underlying factor from what you have seen?