@Oleksandr Ivanovskiy, a traditional cash-out refinance using a conventional loan product for an investment property, is limited to a 75% LTV and the rates are very unfavorable after the loan level pricing adjustments to these scenarios at the end of 2021.

Additionally if the debt market conditions are unfavorable you could end up with bad terms or high costs. 

I would leave RE investing if I no longer enjoyed it, or was no longer profiting, or the tax laws changed drastically and unfavorably (this will likely not happen in this country).

Local banks in the area have quoted me very unfavorable terms like 5 years with high interest rates relative to what else I am seeing in the market.

This way you don't have to pay the unfavorable rates and get income from your first residents.

And even if they do start to perform unfavorably, this will merely be a blip in the long-term.I would agree with building your cash reserves, as everyone in the past year should have been doing. 

While in this business it usually will come in the form of a commission split that seems unfavorable, remember this: Going solo may offer you 80% commission, but 80% of zero is still zero. 

Stories like this are a great help since we’re now dealing with such unfavorable landlord laws.

It could be seen as unfavorable but it could still be legal.

Growth vs value investing, except you do it with the bank's money.One issue I see with being a value investor here is that your debt to income ratio would become unfavorable quickly.