If you don't have the downpayment, go make some cash so that you do, either through saving from your normal income or some real estate investing efforts.Your point on debt paydown, although true, is not relevant to the argument of BRRR vs. traditional rental.

One side is traditional rental and the other side I have furnished and have been renting as STR. 

Rates are typically higher than a traditional cash out refinance, however at least you are not getting the full loan amount + you have the flexibility to draw/tap in the money whenever needed.

.- We have busy but well paying jobs and don't like to spend time in building sweat equity (BRRR, flip), so will take a slightly low maintenance approach and buy relatively newer properties in B class neighborhoods and use property management for day-to-day operations.Goal:- To get to $10K/month net profits with real-estate (today's currency) in 15 years when we plan to retire.

Yeah lolBefore I joined biggerpockets I thought people know that any investment with return above 11 percent is super high risk …But then I realized I am minority …I grew up with bank owners fleeing to China after interest rate hike and when I said bank owner it is literallly bank owner….And folks that wanna 20 %yield you could invest to Turkey bond lol albeit with their currency going lower

I have also helped a variety of both local and OOS investors buy in the metro using owner occupant and traditional investor financing.

So if you are buying a property the traditional way, using an agent, you won't usually get answers when it comes to the condition.

The process is pretty simple, but it does involve extra steps compared to a traditional rental.

The way I've traditionally used them (i.e., simply transferring from AmEx to Delta SkyMiles), they're only worth 1%...well maybe a bit over 1.15% because I also have a personal Delta AmEx which makes mileage tickets come at a 15% discount. 

Some use them as rentals.the biggest reason for doing things this way is a traditional bank won’t loan on  property that won’t appraise at their desired price.