Due to item 1, adding an ADU can require years to start achieving any return (once the accumulated cash flow recovers the initial negative position).4) Adding an ADU is a slow process.

There's certainly quite a few of us around but things have been kinda slow since the interest rates jumped up and BP is doing a revamp of their website and overhauling the different premium tier packages and I've noticed its been messing with notifications and keywords and such so some people are just missing posts they would normally see. 

A newer house with a mortgage will take longer to build up equity, which could slow your growth as an investor.5.

Do you need income now, or is slow appreciation ok?

If business is slow, plan a vacation.

Real Estate has always and will always be about slow generational growth.  

Tucson continues to grow and will always piggyback off of the success of PHX, which is not slowing down. 

Some 401k plans allow you to payback loans or withdrawals in a certain period.

I often need to hear the advice and counsel to "slow down".

Given all of these assumptions, you should be able to get a DSCR loan in the 6's/low 7's (rate), with a 3-5 year prepayment penalty, and minimum DSCR ratio of 1.00x, especially in OH.