What this usually leads to is higher rates and lots of points, which increase the amount of cash needed up front.

I understood that rent prices are decreasing.

I'd happily accept the former, though the 16% YOY property tax increase would be a non-starter for me.

Low down payment, but you would be increasing the value of the property with your own cash.

Dealcheck is FREE and it offers an app for calculators.I’m shocked that that your team hasn’t told you how much your ROI would increase and user engagement just by having an app.

.#2 if the owner doesn't want to buy it back, I can begin collecting rent since I control the deed in my name at that point.  

After that's under control, focus on increasing income through additional work at your current job, taking on a side hustle, or finding ways to increase income on your existing rental.At the same time, educate yourself.

The rents from the rental pay for her room at board at the retirement home.

I would slow down and think about your BUDGET, what you can get for $30k, and how you can increase your income.

Last time I checked Dubai has an increasing oversupply of properties due to overbuilding.