BUT I also know that I probably won’t get such a low interest rate again in a very long time 😅 so I don’t know what to do.

This sounds like it would possibly be a rate and term refinance since your balance will be $203,000.

This will be my first rental property so want some advice.Purchase price - $195KDown payment - $59,176 (25% plus other closing)Annual rental income - $29,424 ($2,452 a month for 4BR)CoC return 10.7%Cap rate - 9.7%; Price to rent ratio - 6.6Cash flow will be over $5k per year after paying taxes and mortgage.

Your tenants will either pay market rates or move in with family. 

We got it for a really good price of $360,000 on a super low interest rate (3%) back in '21.

So, I'll not even be in positive with the interest rate we get these days.

It's the best way to cash flow with current rates and prices.  

Medium to higher prices that cash-flow or break even (at current rates) are probably C/B- class.

Due to the high costs in San Diego and current interest rates, I would most likely only be able to put up to 10% down.

There's a lot of sharks out there that charge way more than what it should cost.Another strategy would be to go to areas that have much lower home cost, and good rental rates.