The fact that you are working with a loan officer who is coaching you on committing fraud, you may want to change your circle of influence. 

Do you think if the 10 year drops 25% to get back to Sep/Oct rates that's without any other factors influencing it and no recourse post?

i am totally impressed with the way 'guru' out there trying to influence people promising there's a gold cave somewhere from 'infinite banking' to 'my own the greatest system ever' :-) I bet they save their money in the crypto token as well.

Vacancy rates can be highly market-specific and influenced by factors like the local job market, tenant demographics, and property management.

The decision to allow pets there, though, was influenced by demand and basic math.

Narrow your focus, stop buying properties, and figure out what you actually know really well rather than letting FOMO, spreadsheet calculations on faulty pro formas, and advice of strangers on the internet influence your investment decisions. 

Everyone else has laid out the factors that will influence the price of the loan.

Over influence by social proof: Lots of people can make lots of money in RE, particularly post GFC.

Racketeering Influenced and Corrupt Organizations Act. 

Aren't you glad that some antisocial media influencer brought this "tax strategy" to your attention?