I used to consider umbrella to be cheap insurance, but that is no longer the case if you live in CA.  

You can also get a lower rate on a 30 year fixed and even though its a 30 year loan there is No prepayment penalty so you can pay as much as you want but not obligated to pay more.A Heloc is a credit risk and can "never" be used as an asset or PITI reserve which is required when buying additional properties.

I'm a little concerned with the current high interest rates and property taxes (Texas).  

Home prices have been going up for 10 years, so quality stuff is not cheap.

That is cheap and simple to do.

Here's a bit more in detail about how rates are calculated for DSCR loans:1.

Looking at two potential ways to buy real estate for long term hold rental. property A assume the loan on a property with no equity at 6% interest rate.

In unincorporated Cobb there is a STR permit relatively easy and cheap to obtain.

Texas is a great state to hang up your license and with property values increasing and rates on the edge of a breaking point. 

and as for rate its market.