.- Interest Rate Adjustments: Interest rate cuts may not happen as quickly or as significantly as expected.

On a Fannie Mae loan, your scenario has a major Loan Level Price Adjustment (LLPA) of 4.125% for a second home with a loan to value of 85.1% to 90% plus a hit of .75% and another for .25%.

I suspect this is due to either a better sales group, or the risk was simply adjust higher on the ones I went in. 

The PPP is only 3 years, so you'd have plenty of time to choose between years 4 and 10 if you wanted to refi or just pay if off before your first adjustment ever occurs.  

So it will just be a minor adjustment to consumers in the states that didnt require this already.

With your excellent credit and a solid down payment, they may be open to adjusting their rate, especially if they know you’re shopping around.Explore Non-Traditional Lenders: Some private or hard money lenders could offer lower rates for DSCR loans, particularly if the property cash flows well.

You may be able to utilize air dna projections, but, this will come at a rate adjustment usually versus long-term rent. 

The only problem I now see is that I got sidetracked from my plan and now I'd like to pivot and adjust my routine to my interests and become the investor friendly agent, helping new and existing investors get their first or next investment.

If you are tracking depreciation for purposes of repairs and maintenance (like anticipated timing of a new roof for example), you could probably get away with using excel and then just manually booking a journal entry.

Both of these hypotheticals would adjust slightly due to the PMT formula with excel.