However for example; I make back my down payment in 2.5 years I am only then seeing the money go into my pocket.

Are there similar mortgage funds we can invest in to get diversification that pay high single digit returns in USA?

I am fine with saving more money to purchase a better property in the area, but with the money spent for a down payment on a SFH or MFH I could buy 2 condos. 

Purchase price: $700,000 Cash invested: $30,000 The most creative deal I've put together with owner financing, low down payment, and high debt pay off.

With a low down payment and being put on a 15 year mortgage, this property has great equity that we leveraged with a equity line.

And then pay for digital advertising on local RE/business centric websites.

@Llewellyn ClarkeIf you don't have the money you can set up a payment plan with the IRS.

I would say 5-5.5% is the sweet spot for when folks will demand will rush back, partially due to mortgage payment affordability and partly psychological, after seeing both 8% rates and 2% rates in just the last handful of years.

Tenant must be up-to-date with full rent amount payments.) and default.

A common strategy here would be to move out of the townhome -> rent the townhome out -> house-hack and live in a new property with low down payment.