If someone says 5 or 7%, they may or may not have decades of experience behind them to qualify such lower numbers.

Hello Arnold, I personally used my 401k to buy my home back in 2017 so I know from experience its a pretty easy process.

I manage around 400 rentals with 14 years of experience and have never been sued once.

Oh I see @Jay Hinrichs the old stuff seems harder to access not sure sorry not to read your whole question. i have wondered that about the older ones too, they were better more realistic.

Not the best but understand it through experience.

those with experience in the industry will tell you that Service is far more important than saving a few bps shopping lenders all over the place.. not to mention all the credit pulls for menumber 1relationshipNumber two know they can actually fundnumber 3 rate and termsNumber 4  junk fee's sniff those out many times lenders on the private side spring those on you in the final hud and your stuck. 

I’ve done research but hoping to hear from REs with personal experience.

We have rentals in Bartlett, and so far it has been a good experience.  

In my experience, many insurers will cover the house but not the roof, ensuring you have protection against fires, broken water pipes, falling down the stairs, etc.

In my eyes, it's fair as even though I'm fronting the capital, the split in equity is worth it as it gives me more time to run my other business, plus we can do things faster with two of us, plus at this point of my REI journey, I don't have the skills/experience (yet) that he does with the construction side and for him, he values not having to manage the finances.