Also, in our experience, 95+% of agents have no clue how to calculate ROI, Cash-on-Cash, Cap Rate, etc., so what are they really going to help an investor with?

Now many younger more tech savvy investors here may disagree but I am old which makes me old school. 

Any kids in school?

Hi,I am planning to buy my first rental property and looking at Harvest, AL. Researching on zillow, I am seeing several new properties under construction in this area with rental properties vacant for over 40 days. Wo...

It seems like you have a reasonable down payment available so offer them a reasonable interest rate. 

Take that amount, figure out the mortgage payment based on the interest rate. 

Not sure what the laws are in ME, but in Georgia a first position foreclosure will wipe out the 2nd position lien making them riskier which commands a higher interest rate percentage.

What makes people prefer airbnb than hotel these days, especially the rate of hotels are relatively competitive (airbnb becomes more expensive than it used to be), i.e. is it still a viable business for the most part? 

This is caused by many years of low interest rates, high construction costs & supply shortages, along with high demand from millennials buying first and move-up homes at the same time baby boomers want to downsize. 

The last one I purchased was right at the peak in March of 2022 and when rates started to rise.