That might bring some peace to you.

Being in the real estate business, I enjoy watching real estate news on social media, it gives me peace of mind.

Its really going to come down to multiple factors, including your personal situation/strategy but it appears you are definitely thinking about things in exactly the right way.I'd say since it doesn't seem to be an "urgent" need - I'd advise talking to some lenders and since the rate environment is still moving quite a bit, settle on a interest rate / points combo that is "your number" and when market rates move down to that point - have the lender contact you and get ready to go, and just wait until that occurs

Rate is reasonable at first glance but yes rates are moving down and should continue to shop, get quoted, can be major changes day over day10% Down DSCR doesn't exist and has never existed to my knowledge so I wouldn't count on that15% down does exist and is rare, however as others have noted, usually it doesn't actually work since the restrictions, such as a high DSCR ratio or LTR only rent qualification (and high rate environment) never let the numbers work however as rates continue to fall we may finally be able to see some 85% LTV DSCR Deals actually pencil again!

It is much harder to push tax increases when we are in a stagnant or even deflationary environment.  

Having access to the funds without needing to refinance again could save on fees and give you flexibility when another opportunity arises.However, if you’re cautious about carrying extra debt with no immediate deal in sight, taking only what you need now might provide peace of mind.

@Jerry TilleyAsset based is going to be a different Non-QM program than a DSCR and typically higher rates than a DSCR.However, mid-7s on DSCR is high in the current environment and given the info you've provided. 

If you are direct mail marketing in today's environment how's it going for you?

As your new Landlord, it is my high honor and distinct privilege to provide you exceptional management, prompt maintenance, sound hospitality, and a quality environment to call home!

I’d prefer cash buyers for the ease of the closing, and peace of mind to sellers.