If rates come down (most likely not in 2025) you can refinance or just shovel cash-flow and pay it down quicker. 

You'll want to look at their reviews, how they safeguard your funds, understand what their fees are, and how responsive they will be to your questions (do they work 9-5 only). 

Or at least what are investors looking for today as far as return and cap rates?

They work well in areas with steady rental demand like suburban neighborhoods or cities with strong job markets​​.Considerations: Your property management needs will be lower, but rents may rise more slowly over time compared to short-term options.Short-Term Rentals: High Risk, High RewardAdvantages: Short-term rentals can generate significantly higher nightly rates, especially in vacation destinations.

Hey BP family, I'm currently trying to help out a family in need from having to foreclose on there property by taking over subject to, it has a high interest rate although the entry is around 20k I want to wholesale this ultimately Is it possible for me, to disregard my initial assignment fee to get a buyer asap and add a 2nd lien on the property as my fee? 

Also the hit rate per property is really low.

Congrats on your success so far.Some random thoughts for you:- It might be difficult to tap the equity in the rental at this time given the current state of interest rates. 

I've heard Trump most signed an executive order to eliminate reduced rates for section 8.

The amount of capital required from your savings to purchase multiple properties depends on the appreciation rates.

There are plenty out there with fair rates and lower fees.