Do your due diligence but do not get stuck in analysis paralysis.Lastly, these online calculator are a good guesstimate but it is skewed with bad managers not effectively reaching the potential of a property So dig a little deeper into the high performers in the area to figure out what the rate should be and what they offer.

This niche area does not have alot of recently sold properties and the ones that have sold are condos in high rises not single family dwellings. 

Small multi-family is in high demand. 

I have been looking at high single for SFR BTR. 

Paying down a mortgage quicker gives advantages if you believe the appreciation outlook is high because the debt pay down will give you more benefits when the property appreciates.

Granted, some neighborhoods just cannot be investment grade-- Piney Point and River Oaks-- but there are some that are on the cusp of falling out of investment grade but still just about there.

@Joseph Turner, if you're looking to buy in CA areas with high levels of appreciation, I've had clients take out a HELOC or 2nd mortgage and pay back the HELOC or 2nd with a cash out refinance once values appreciate. 

The big brokerages do offer great support, but your fees will be high.

And right now rates are at multi-decade highs after a rapid run up, so the wounds are not only fresh, but the bleeding hasn’t been controlled yet.Mistaken Identity:  If the syndicator on the panel says he prefers floating because he can borrow capital improvement funds, he is talking about bridge debt, which happens to have a floating rate but isn’t the primary characteristic nor the reason people use it.  

Here is a property walk through video that shows some of the finishes we use.