It's obvious and a big turn off to smart people (for them, it's anti-marketing). 

The lower under 70% the better obviously, but 70% is a good number where even if it does go up to 75% you have that wiggle room built-in there!

H2 '22 house prices got hit, obviously this is all market to market but they did in a lot.I am confused by the bold-- you think they will shoot up?

It's pretty obvious, in most cases more land is not the right answer.

This is obviously an off-market seller who will do seller finance.

Obviously, if your prepayment penalty has already expired, this is not an issue.Personally, I'd keep the extra funds and use for other investments that will potentially turn into more revenue versus paying extra on a loan that will take years to potentially realize the savings...Cheers!

You obviously have not studied enough this asset class.By borrowing from it you can make your money work at two places at the same time, increasing your total return.

As for refinancing, it is generally possible, but evaluating the costs, including closing fees and any additional points, is key.As a side note, you are obviously concerned about interest rate, and this can make a difference of hundreds dollars per month, but I see clients with properties where the monthly lease is 2x the monthly mortgage payment.

I'm not looking to compromise on the analysis; rather I just am still seeing "2024" articles coming up about the 1% rule being a good rule of thumb and wanted to make sure I wasn't missing anything obvious.

Ultimate goal is obviously to build cashflow as seamlessly as possible and pay down debts of houses as we go so husband can leave his consulting job and we can do real estate full time.