As a percentage closing cost as percentage goes down as value increases but we will 15X to account for closing costsNo cash flow per OP.2% market appreciation equated to 30% + 15% = 45% 3% market appreciation equates to 45% + 15% = 60%4% market appreciation equates to 60% + 15% = 75%Recognize in virtually all markets the cash flow increases with hold length especially if a fixed rate loan. 

Frequent hail storms pushing insurance rates up in that market. 

As prices increase, fewer people can afford to buy homes, forcing them to rent.

-Zeroflux newsletter if you want more broad trends across real estate like migration, consumer habits, office, landlording, homeowners, CRE, affordability, housing shortage and others

When I originally put my savings into Marcus, it offered the best APY rate at 0.5%. 

Here's a bit more in detail about how rates are calculated for DSCR loans:1.

Maybe get 0.5% but your rate is going to be a lot higher.

Hyattsville and surrounding areas are more affordable than other parts of the metro. 

Got a 5% rate calculated for 20 years with a balloon payment in 5 years (2026).

Given your goals, Indy could be a great fit—affordable pricing, solid appreciation, and strong Section 8 demand with reliable property management options.