Combine that with insurance raising rates not just for dropping licensee count, but also to cover increased lawsuit risks.

Start by deepening your understanding of CRE fundamentals, including net operating income (NOI), cap rates, and lease structures like triple net (NNN).

I heard but don't know the veracity of this claim, However FLA suffers from a lot of fraudulent claims there by also causing rates to be higher.. 

In this case, your monthly payment with 20% down will have a good MARKET rate if your DTI works with a much lower month payment and no mortgage insurance(MI).

Are $300/squares for GAF HDZ good rates.

Some don't like the idea of a 2nd position lien that is very small and very high on interest rate. 

Note if you go over 4 units, your valuation will be based on NOI and comp rate.  

Several economic factors are contributing to this shift:Overbuilding: Some areas of Charlotte have seen significant overdevelopment, leading to an oversupply of rental units.Tighter Money: Rising interest rates and economic uncertainty have made tenants more cautious with their spending.Tenant Behavior: Many responsible renters are choosing to stay put rather than take on the cost and hassle of moving.What Does This Mean for Landlords?

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

Also, the vacancy rate was understated.