@Mark Toweya couple things - from the seller's perspective, it means the seller doesn't have to wait the full 30 years to get the proceeds, and from the buyer's perspective, hopefully in that 5 years appreciation and maybe some updates have increased the value such that when you refinance you don't have to bring any additional cash.  

Part of that is adding additional cost for increase in building products. 

Obviously what some of them have done is decrease consumer spending and increase savings.

All of these small details can increase value and bring buyers for zero dollars. 

Now with higher interest rates, and slower sales, the profits are being squeezed, thus an increase in risk for the potential flippers. 

The shorter the prepayment term has an impact on increasing the rate.4.

I haven't seen anyone ask if you are planning on self managing.The investors that I work with now find the hybrid of the two a better place when they are just starting and growing. 

Remember, the notion of amassing wealth without investing is a dangerous myth perpetuated by self-proclaimed experts.

So you’re looking for someone with money and access to raising more that’s an all-star in biz management etc….That wants to join forces with a very confident ambitious rock star attorney

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