It doesn't take that long. 

How long for your spouse or partner?  

The reason I ask is because most deals I see on Crexi or Loopnet or anywhere else create negative cash flow under 7 or even 10 year terms with 7% - 8% interest rate.

I was last getting terms around 5-6% for the first 5 years, then floating with prime, 20 year term. 

Let’s break it down:Loan: $300,000Base Rate: 8% (P&I: $2,201)Buydown: 1 point ($3,000) lowers rate to 7.75% (P&I: $2,145)Monthly Savings: $56Break-even: ~54 monthsHolding long-term?

The strategies I'm most interested in are Flips, BRRRRs, small multifamily as well as short/medium term rentals.

Check out this reply when I asked him how long he spent closing his own loan.

I have STR, MTR, and Long term rentals.

While short-term rentals in areas like Kissimmee, Florida, can pay for themselves and offer lifestyle benefits, the ROI typically doesn’t match what I see from my traditional portfolio of long-term rentals in North Texas.That said, short-term rentals can still be a great choice, especially if you're drawn to the area and the opportunity to combine personal use with investment income.

The longer term loans would have lowered your monthly payments and decreased the costs.As for rent, each year you need to look at rents in the area to decide how much you will be increasing the rent by.