To show you the limits of your thinking… right now you could partner with a family member and buy a house / investment property… even though you are just 17.  

@Brian EastmanI just learned that when buying houses from Self-directed IRAs, we cannot depreciate? 

But now Kamala is going to give 25K to people to qualify for a house, so a lot of brainless people will vote for her.

Interest rates are just one component of the economy and you have many different macro-economic conditions that impact housing such as job market, inflation, debt loads, lending standards etc. 

----I do have a 'rental' in Joshua Tree House....

The house is laid out the same as you explained as well as there are records of the home previously being a multifamily.

I have a question in regards to gift or equity.My parents have a house they wanna get out of a payment. 

Hi, I got around 19k seller's credit for a house of 775k.

The anticipated rent per unit is $1,700-$1,900, annual rent 68,400I’ve been quoted a 7.125% rate on a 30-year fixed mortgage from a direct lender with no points w/ 5,4,3 prepayment. 

So, of course greed, but also inflation, and labor rates, and all new costs associated with the COGS for any product is passed down to the consumer/borrower.Most of these loans are securitized so the payment streams are actually not theirs but the capital partners of the lenders that buy the packaged notes.