6.3% (purchased last year) I'm not sure about a cash out refi cause rates are still pretty high at the moment 

Your wife's perspective is no inaccurate, it seems you are both looking at things from different ends of the spectrum which is great!

https://portugalbuyersagent.com/portugal-golden-visa-ending/....

I highly recommend attending a few local meetups and get to know other local investors.

Without buyers you don't have much and will end up cancelling the contract.

4) If lease is ending, and the buyer decides not to purchase home for whatever reason: Unable to obtain financing through lender, doesn't want home, change in job location, etc. does the buyer or seller keep that nonrefundable deposit?

There are some that do not have high volume minimums.

For the week ended June 29, the nationwide inventory of homes for sale was up 38% year-over-year, with new listings rising 11% YoY.

Any amount left over at the end of year 5 is also reimbursed to the seller.

I want this to be high quality with high quality amenities.