Of course credit card is going to be like 3.5% but it does kind of such because it's already hard to get tenants to pay it lol. 

Rates will at some point allow you to refinance.  

Or at least what are investors looking for today as far as return and cap rates?

You would want to look for an owner that has a loan through a bank or credit union or one that has no mortgage. 

However, rates have since moved upward.A 30-year fixed rate mortgage is once again sitting around 7% interest:For broader context, here’s a chart for 30-year fixed mortgage rates over the past 5 years:The real estate industry hoped 2024 would see a recovery in which mortgage rates fell and home sales climbed.

Some people only want 10-20% of their outstanding lines/debt balances available while the other 80-90% to be in fixed rate notes.

However, you can claim a tax credit on your California return for taxes paid to Oregon, mitigating double taxation.If you only plan to own this one property, consider using umbrella insurance as an alternative to an LLC.

No social or credit pull needed upfront. 

The lower rate or longer term can also make the payment more affordable. 

The combination of Germany's stable economy, well-regulated property market, relatively low interest rates, and the opportunity for long-term capital appreciation make it a compelling choice for U.S.