Ideally you do this if the rates are lower so you don't want to cash out refinance a property if the interest rates are higher than your current rate.

It is much easier to talk about being conservative when the sponsor implies that they are CHOOSING to keep millions in reserves or buy a low interest rate cap.  

Cash flow with a 7% interest rate is hard to find, unless you are comfortable with fixing something up.

It's that lightbulb moment where you realize that even after paying the surcharge to pay a mortgage with a card, you still earn positive cashback, making your net interest rate on your mortgage effectively a negative percentage.  8% cashback - 3.5% pay by card surcharge = 4.5% free money, and considering my mortgage interest rate is 2.75, that effectively means I pay no mortgage interest and still earn 1.75% free cashback.And the best part is that this passive cashback is generally speaking not treated as taxable income.

Additionally, other lenders are offering either a 70% LTV or unfavorable rates at 80%.

.- $500 - $1,000 flat rate breakup fee, payable only in year 1.This very simple, but higher headline, fee structure better aligns incentives.

What has been the vacancy rate?

Above 5+ units is possible but more challenging and rates are where you would expect them..50-65%LTV will be common for higher plex units, a common workarounds is if they have a US based family member or business partner with an LLC..Some investors or lenders have specific countries of origin that are restricted or even prohibited, check with your mortgage professional. 

The CMA is right on the sale price - My payments to the seller includes a 25 year amoritization rate, so my monthly "mortgage" to the seller(300k with interest) is greater than their current mortgage. (200k with the same interest rate)- Going the regular financing route (25% down) is not desirable since I would need to dip into my primary residence HELOC for the downpayment.

With about 600,000 sales records spanning 3 states we could tell with some certainty what bids would work and their statistical acceptance rate(s).