A cash-out refinance typically doesn't count as "earned income," which is the type of income that would impact Social Security benefits, especially if it's related to retirement or survivors' benefits.

Rethinking density limitations like building height, parking requirements, and ADU permitting would be more impactful. 

When those folks need to sell and discover their equity is long gone, it will make an impact on the market.

The shorter the prepayment term has an impact on increasing the rate.4.

Like @Michael Quarles and @Kristin Flores-Brockman are saying here.Occasionally there are investors who acquired an investment property with the intent to hold and put renters in, but find some unexpected negative catalysts that will impact their ability to rent it out.

As interest rates climb, how are Texas buyers adjusting their strategies to secure property? Are buyers leaning toward creative financing, or are there other trends you’ve noticed shaping the market?

Another thing to consider could be that if the property is further north where winter weather can impact them then you may see buyers less willing to move then. 

However, you should always budget for a worst-case scenario to maintain positive cash flow.Vacancy costsThe cost of vacancies can significantly impact your cash flow.

For BRRRR investors, seasoning requirements can significantly impact your ability to quickly recycle your capital.While most lenders require you to hold the loan for at least 6 months (aka "seasoning"),Fabulous 5BUY - short-term bridge financing to help you with investment property acquisition.REHAB - With up to 100% rehab financing, you can stay liquid through renovations.RENT - Tenant in place or future tenant.

For example, understanding how to leverage the tax benefits of owning rental properties can significantly impact your bottom line.Educational Focus: Your business focus on educating others about homeownership is not only commendable but also a strong marketing tool.