I looked at the rental trend over the past 10 years, I should be fine in year 7 for the refinance unless rates are totally out of this world.Your right those rents would be really low for Stamford. 

We bought the stair tops from Lowes and had them delivered to our house.

@Alec Jacobs I have basic low/no fee business checking accounts.

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.

If you're willing to have roommates, your options open much more broadly, and you can potentially assume a loan with a low interest rate. 

Each has its pros and cons, but starting with House Hacking can be a great way to ease into real estate while keeping your living expenses low—perfect for someone just starting their career.Here are a few suggestions to get started:Education: Books like Set for Life by Scott Trench (sounds like you’re familiar with him!)

Low inventory, higher rates and a LOT more investor competition have made it quite a bit harder.

Looking for something with low acquisition cost, and meets or exceeds the 1% rule.  

This means that every year, your IRR (Internal Rate of Return) will increase.4) In an appreciation heavy market like San Diego, the IRR is going to be the best way to calculate your earnings as cash flow is fairly low relative to initial costs (down-payment, closing costs, carry costs while placing tenants)5) To calculate your IRR, you want to use this formula: (Appreciation + loan pay down +/- Net rents)/ down- payment.you can include the Closing Costs, and carry costs, but I usually do not.

When you say "section 8" tenants, are you looking at low-income housing tax credit type properties, or standard rentals that are in lower income areas and therefore cater to HCV tenants?