A great lake front home doesn't have to cost a mint but it sounds like you want something that is really fantastic which will bring a higher nightly rate.

Hello, it is really time consuming for me to analyze each property by manually entering its data to calculate the return.  Is there any software where I can filter out properties below a certain return?  I want to be ...

If you are doing rentals, especially long term rentals, you are unlikely to be able to live off of those for a while if they have mortgages. 

That is an uncontrollable variable.

I then went to the bank and mortgaged it for the same $30k at 8.5% over 20 years.

Some lenders offer discounts to return borrowers so maybe look into both flip and DSCR rates when finding a lender. 

There is no stock account that gives the leverage real estate does, at as low interest rate real estate does, at as low risk/ volatility real estate does. 

Curious, what sort of cap rates do you see in Japan? 

Choose the Right LocationProximity to Campus: Prioritize properties within walking or biking distance to minimize transportation costs.Safety and Security: Research neighborhood crime rates and local security measures.Access to Amenities: Look for nearby grocery stores, healthcare facilities, and entertainment options.3.

Quote from @Nicholas Dillon: I read somewhere that you can request to have your mortgage insurance dropped once your Loan to Value reaches 80%.