I personally offer my guests free access to Netflix, Hulu and Disney+.

For comparison, a Navy Federal FCU personal loan will be in the 15s%

That is just what I am seeing personally, and I work with investors all over the country. 

I will reach out to you personally, please keep an eye out in your inbox.

Real-life reps, to me, means seeing properties in person, whatever your asset class. 

A nice but expensive duplex on a beach or in an expensive area might be ideal, if you can swing the other half out of personal funds. 

(Either with the roofing company, a heloc, or a personal loan.)Either way you will probably be way ahead on interest saved unless you have a sub 6% interest rate.

I personally don't like exclusive by agreements.

Neighborhoods there are usually in better shape (although Baltimore is very much block by block), and in my opinion, the quality of the tenant pool is much better.Oh, and great idea checking out the properties in person—the pictures you see on the MLS can be very deceptive lol.

I personally use Hostfully and their support team is great!