Show them the history of 30 year fixed mortgage rate & explain that the only reason rates got as low as they did is because the Federal Reserve started Quantitative Easing during the during the recession and then again during COVID.Here's the graph showing the impact of Quantitative Easing (QE) on interest rates.

@Kris Lou Be careful with agents as 95%+ of them really only know how to handle owner-occupied transactions.We don't do biz in Indianapolis, so this is unbiased info we hope you find useful:Recommend you first figure out the property Class you want to invest in, THEN figure out the corresponding location to invest in.Property Class will typically dictate the Class of tenant you get, which greatly IMPACTS rental income stability and property maintenance/damage by tenants.If you apply Class A assumptions to a Class B or C purchase, your expectations won’t be met and it may be a financial disaster.If you buy/renovate a property in Class D area to Class A standards, what quality of tenant will you get?

This isn't something I want to do forever, so I want to build it in a way that I can exit, and my employees/operators come and go, that has as little impact on the business operations as possible.

@Ethan Slater here's some info we hope you find useful:Recommend you first figure out the property Class you want to invest in, THEN figure out the corresponding location to invest in.Property Class will typically dictate the Class of tenant you get, which greatly IMPACTS rental income stability and property maintenance/damage by tenants.If you apply Class A assumptions to a Class B or C purchase, your expectations won’t be met and it may be a financial disaster.If you buy/renovate a property in Class D area to Class A standards, what quality of tenant will you get?

The property can only be vacant for so long without notifying insurance so when the prior tenant moved out could be impactful here.

Down payments on DSCR purchases can be as low as 15% right now, and as you noted, they don’t impact your DTI.

Your response also got me thinking about how this classification might impact the appraisal if this is not a mistake.Rick 

While I haven't personally experienced any negative impacts from this fraudulent listing, I'm concerned that it could mislead potential renters and cause them financial distress.

This isn’t about chasing high-growth markets; it’s about addressing systemic issues that impact quality of life and economic stability.

I want impact- where I can make a difference for people, community, etc.