The market has been on the upswing with low interest rates since 2012. 

The few lenders that offer no seasoning, they typically make you pay for it in high rates / fees.

The reason I post this here is because I got totally different answers from two CPAsHere is the story:I bought the house as investment property and run it as STR for the last two years.

If their interest rate is 4% on those, then they are “making” the equivalent rate of return (4%) as the DST scenario you outlined above.

You could structure the deal with seller financing to bridge the gap.Possible offer structure:-Purchase Price: $170K - closer to actual value-Down Payment: Low or zero down to conserve cash-Interest Rate: 3%-5% - or better yet, 0% if the seller will agree-Monthly Payments: Interest-only or deferred until the sale-Balloon Payment: Full payoff in two years when you sellIf he wants $200K, you can still make an offer of:-$170K purchase price + $30K as a second lien due at closing-Seller carries $170K at a low interest rateHe would feel closer to his number, but you still keep within reasonable investment limits.2.

We're going to see insurance rates climb for quite a while.

It's probably going to mean paying points at closing, a high rate, and a serious pre-payment penalty (like 5 years). 

I am trying to figure out if this is worth pursuing: 2021 build3 bed 2.5 bath 1 den Fenced in pool40k down40k ballon in 4 years 0% no payments Interest rate 3.125%PITI - 2961BALANCE 418000Estimated value 495000rent estimate 3200

The greater the differential in interest rates between the interest rate of the loan on the subject property and the prevailing current interest rates between the greater the probability that the lender will accelerate the note.  

Companies that hire in-house bookkeepers are victims of fraud more times than you can count.