Does anyone have, or is anyone aware of a calculator with inputs to show me whether a seller paid 3-2-1 rate buy down vs price reduction is best, where I have ability to input for how many years. 

The tenant pool is pretty decent in most areas for nice rentals as rates have pushed up smaller buys too high for first-time buyers in some of the towns.

SFH with %8+ cap rate.

However since the purchase is high, mortgage on a 7.12% interest rate for 30yr rate plus HO insurance etc is about $4300 a month. should I follow that 25% rule or not.

Here are the key points:Reasons to participate in the capital call:It may allow the property time to stabilize and potentially sell within 24 months at a better price, avoiding a significant loss of LP-invested equity if forced to sell now in an inopportune market1.The additional capital can cover costs like rate caps and allow renovations to resume, which could help increase revenue and better position the property1.The operating agreement likely outlines the terms of the capital call that LPs agreed to2.Reasons to be cautious about participating:Capital calls can indicate the investment is not as sound as originally thought and is potentially at risk2.There is uncertainty around whether the additional capital will be enough to turn things around, especially if interest rates remain high and the market stays challenging for longer than expected4.LPs need to carefully consider if they would invest in the deal now based on the current facts, rather than just trying to avoid a loss on their initial investment4.Other important points:LPs should review the operating agreement, seek professional advice from their attorney, and ask the general partners detailed questions about the capital call2.If an LP is unable to contribute to a mandatory capital call, they may be considered in default and only entitled to the return of their remaining capital account balance, with no further distributions5.In summary, whether an LP should participate in a capital call depends on their individual assessment of the risks versus potential upside after carefully reviewing the deal specifics and getting advice from professionals.

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Should I do this as individual vs entity and what are market rate terms?

Look for lenders with competitive interest rates, favorable terms, and a good reputation for customer service.

@Jay DhanakI would recommend using this website to find out areas you are interested. https://www.areavibes.com/Here is my rating & classification for each livability score. 80 and above A+78/79 A76/77 A-74/75 B+72/73 B70/71 B-68/69 C+66/67 C64/65 C-60/63 D59 and below FSecondly, I would recommend connecting with an investor friendly real estate agent.

Ok, schools out, I gotta get the kids pizza....