If I hold my interest rate to 7.25% and run my numbers, the ratio of rent to purchase price changes depending on the rental rate.

Depending on your current rate or if the current loan is short term or long term.

Since FHA is not an option, i would advise that your seller needs to work on their credit score and savings to qualify for a conventional loan.

It really depends on your specific market.

Depending on your risk tolerance and investment goals, exploring short-term Treasury Bonds, high-yield savings accounts, or diversified alternative assets like private lending or REITs could also be worth considering.

And what happens after the 5, 7 or 10 years depends on the lender but typically it would be a balloon payment.

Alternatively, waiting for rates to drop and then moving might give you better purchasing power.Ultimately, it depends on your cash flow goals, risk tolerance, and long-term strategy.

DBIt depends on your goals, but generally, a long-term rental should ideally provide a solid return on investment beyond just breaking even.

You could make this work ST, MT or LT, depending on how you approach it - the key with unique grounds is owner-provided upkeep and service built into the listing and what permits allow. 

We have several different people lined up to clean ours depending on time of day and how much lead time we have.