I also will go further and say to be careful about taking advice from US citizens, as things are different for us Canadians.

I made It a priority to create generational wealth and wake up every morning to do that since my parents sacrifice so much for me and be contributed citizens to this great nation. 

I am a US citizen but live in Australia.

First Citizens is Prime + .50 for >80 LTV Interest onlyPrime - .25 for <80 LTV

Non-US citizens can also benefit from a favorable tax system.

There is a ton of inventory lost for a long time due to 2% and 3% rates and only reason people would sell generally is if they have to due to death, divorce, etc....unless owners with these low rates get some sort of major incentive to sell.... it is more than just interest rate and supply/demand factor, but also :1. 30Y Fixed rate mortgage availability in the US2. our gov. is restarting money printing since may this year3. everyone in planet is overruning fed before they would reduce rate next year Thing is, this unaffordability is nothing new for the citizen of the world except USA.

Some other states have had proposals.One thing to think about is USA citizens buy property all over the world. 

I also look at investments different from someone who is renting it to non-citizens or will be living in the property.

Your second option is to pay 30% of the net value—the difference between the assessed values at the time you bought the property and when you sell it, taking into consideration how long the property was held, any improvements made, any commissions paid, and other allowable expenses.The United States taxes its citizens and permanent residents on their worldwide income.

I'm based in Canada and am looking for a US citizen to partner with on deals.