Helps with your debt to income, better opportunities at cash flow, and typically requires less down to purchase.In regards to challenges, I usually build in an extra 10-15% to deal with things that I can't see behind the walls, including dry rot, electrical or plumbing issues, etc.

Whether we agree with these items or not, the following are inflationary government policies: stimulus, student debt relief, tariffs, increased child tax credits, limited immigration, and big government deficit spending.

Once I work with will even go to 90CLTV, but they lend on very strict asset classes.Another family office I work with lends debt based on SBLOC. 

I am not a debt investor, a bond investor nor am I an investor in corporate debt, private equity debt, peer to peer lending, etc.  

Taking the higher of the two, that's 52k in debt service for 12 months.

Best thing to do is avoid the higher DTI debt to income, claim one as investment and use the rents to offset the new purchase. 

Debt service at roughly $20K.

One solution could be a Debt Service Coverage Ratio (DSCR) loan.

A private investor will want to see a few successful deals before taking out large sums as a debt loan.

If they have paid off property (especially if the investor is much older), they probably have a healthy stock portfolio as well :) Debt has worked for me, and I'm glad it works for you too!