(I also don't understand how you have a hard money loan with a rate of 7.25%...)offering an equity position that you then buy out in just a few years seems like way too much complexity and risk when you say you just need 30K. 

With the increase in rates that started in Q2 of 2022, there is a chance that I will have some loans that are going to go over 5 years. 

If you refinance now, you may be limited to a rate and term or delayed purchase (depending on the lender) or pay higher points/fees/higher rate using a DSCR loan without a cash out seasoning requirement.

Weekend work is emergency only and it gets billed out at double our rate . 

Instead of stating an actual % or not to exceed number (typically used in PPMs), only the term “market rate” was used.

That 35% will be the assumed rate of other things breaking/needing replaced throughout the year. 

There are builders that are offering really low rates.

10% is a great rate.

Also, at this time I had seen properties selling for 10 – 20% over ask regularly.Interest Rate 30 year conventional 7%Homeowners Insurance = $1,000 annuallyRents = $1,800 per monthWhen I looked at those assumptions, I would need to put down $80,000 on this house to get it to hit my cashflow goal of $500 minimum per month which equates to 35% down.Total mortgage + escrow = $1,267.13 per month with rents at $1,800 my monthly cashflow is $532.87.From my experience, after taking out vacancy and maintenance costs you are left with around 73% of that total cashflow number once the rental is established.People have asked why a $500 per month cashflow goal.

Rated Very Good.2.