The interest rates on non-owner occ are usually higher, but the rest of your statements can vary with each lender.

Insurance rates vary, older people who do turo have a huge advantage cause their insurance is generally so low(this does not matter whether you use turo insurance or not, you still need your own)2.

In real life, the curve is much more flexible, the numbers do not vary by nearly as much, and return is generated even with rises in cap rates as Ben mentions earlier.

@Keivan Darius I’m sure it varies from one market to another, but it’s comparable to rates in my market.

The rates will vary and depend on your credit score/the property's cash-flow (DSCR or proprerty DTI), they usually escrow taxes and insurance, and your rate will probably be in the 6.00% - 6.99% range if you're in the 700s (credit score).

Remember though, HELOCS can have adjustable rates so payments can vary.

Your mileage may vary.

Recently my son has been going to therapy for acting out.

I find that in  this particular area rent and home prices tend to vary, and it seems that what makes the difference is number of *bathrooms* not bedrooms.

There are several, and quality varies.