2. don't use an appreciation rate.

"Buy the property, but date the rate!".

Your interest rates are low. 8.5% is around the "market rate" for owner finance buyers right now...30-yr, fully-amortizing2.

especially since he's closing today on a fed reserve holiday...but hey, "the other guy's offering a better rate.."

I understand they have a little bit higher interest rate, but what are the risks of DSCR loans?

Credit score and loan size can also affect what rate you may find. 

They are short term loans, usually 6-12 months, high rate, interest only payments. 

We have an A+ Rating with no complaints. 

The higher the cap rate, the more risk involved in the building. 

Quote from @Edgar Duarte: hi allI would love to get some perspective from your expertise, we have a property that we would have to sell in 2025 to avoid paying taxes on the capital gains, we believe we rcan sell it for $700K and get an equity of almost $500K after paying the mortgage balance, if we invest all of it option in index funds at 7% rate (standard com growth calculator), or in more rental properties as we are all here for, I can get the equity of around $900K.option B would be keep paying the house at 2.3% int rate while we have it in AirBnB and maybe sell it in 10 years for $900K, knowing that we would be paying taxes but it is not that bad still. or we can 1031 at that point?