For leverage of 50% or less any worries are psychological with little chance of consequences moving beyond the specific property leveraged. 50 - 65% could go either way depending on economic climate, specific property attributes, management, etc. 

This is the lack of psychological maturity, emotional intelligence, and everything in between.

I think that they were just having a lot of growing pains last year, but they have ramped up and fine-tuned their customer service a ton. 

If a lender isn’t responsive during the initial stages, I’ve learned that’s a strong indicator that it’ll be a painful process all the way to closing.

But, that being said, there are the numbers on paper and then there's the psychological component.... the human behavior component. 

Cash-out refinance: this is a little painful with current interest rates3.

She's going to be a pain in your *** if you go under contract for her.

So I guess we just stay in our own Lanes :)  AS it comes to owning rental property we for sure dont see eye to eye on that and we could never work hand in hand with rentals.. we tried one STR and sold it within 60 days Pain in the butt those are..

Any pain points in investing there? 

Also, depending on the area, codes and historic have been a big pain especially since the new city administration has put a much higher % inspection requirements for "cosmetic rehabs".I've been able to turn majority of the units in the last 3 years.