A Guide to Modeling and Overcoming Analysis ParalysisI am a numbers person by nature and often consider excel to my second home for my 9 to 5 job and so I can relate to those who find themselves wanting to exhaustively model a potential property and the cashflows that could result.

Since you don’t need cash flow from the house to survive, you can easily do 7/1 or 10/1 ARM product to save on interest cost and get your money out My two cents

Pros - Higher rents than renting to a family, I can pop in anytime to check on the place, if one guy moves out, I don't lose the whole rent, no wear and tear from kids or pets.Cons - Higher turnover (I usually do month to month which also has higher rent), potential for parties (but I screen very carefully so this has not been an issue at all), parking, roommate drama (rare with professionals).Just another option to consider.I'm a mortgage lender myself and I wish we had a 90% product like that MACU loan!

. :) (I have excellent ratings on airbnb ;))

There are commercial products out there with 30 year amortization to help keep payments low and you can cash out between 70-80% LTV.To answer part of your other question. 

No need to worry about what interests rate will be in 5-10 years which is an issue with a commercial product.

I am a long time customer who has derived immense value from their product.

You have to stay competitive with the market, both in the product you're offering and the price.

I have excellent credit.  

I would probably polish up the brass and keep it in the dining area.Similar styles at Pottery Barn & RH sells for $$$https://www.potterybarn.com/products/gemma-crystal...https://www.restorationhardware.com/catalog/produc...