Your tenants will either pay market rates or move in with family. 

We got it for a really good price of $360,000 on a super low interest rate (3%) back in '21.

So, I'll not even be in positive with the interest rate we get these days.

It's the best way to cash flow with current rates and prices.  

Medium to higher prices that cash-flow or break even (at current rates) are probably C/B- class.

There's a lot of sharks out there that charge way more than what it should cost.Another strategy would be to go to areas that have much lower home cost, and good rental rates. 

Due to the high costs in San Diego and current interest rates, I would most likely only be able to put up to 10% down.

It's great to hear that Jeff Chisum and his team at Northpointe Bank were helpful in securing this for you.Adding Value: Your strategic patience and communication with the selling party to secure a deal at the right price is an excellent lesson in the importance of relationship-building and negotiation in real estate.Short-Term Rental Success: Achieving high ratings from guests is critical in the STR business.

There are some benefits for financing under an LLC (super fast refis, less paperwork, lots of loans), but also benefits for personal (30 yr fixed, low rates).  

I usually look through several places but one of the most consistent tools I've used to do a quick check on potential rental rates is Rentometer.