@Dionne Ladson The proof of the pudding is in the eating.True private money (e.g. a high-net worth at your local REIA) is going to be more flexible, but make you vet them before diving into a borrowing relationship.

The data reached an all-time high of 108.500 % in Mar 2012 and a record low of 94.900 % in Dec 2021.

Due to the current high interest rates and prices, many investors are choosing to increase their down payment to ensure a positive cash flow even in the not so "nice" areas and plan to refinance in the future.

High maintenance and high eviction rates, but can look great on paper.

Hey @Seallington Touch, Given we are accountants, we cannot promote our services on BP as its against the rules.To help in your search:be sure to find an accountant who is willing to grow with you, and is not too high priced fee-wise.

You can refinance out of a high rate. 

Highly recommend.

:Class A Properties:Cashflow vs Appreciation: Typically, 3-5 years for positive cashflow, but you get highest relative rent & value appreciation.Vacancy Est: Historically 10%, 5% the more recent norm.Tenant Pool: Majority will have FICO scores of 680+, zero evictions in last 7 years.Class B Properties:Cashflow vs Appreciation: Typically, decent amount of relative rent & value appreciation.Vacancy Est: Historically 10%, 5% should be applied only if proper research done to support.Tenant Pool: Majority will have FICO scores of 620-680, some blemishes, but should have no evictions in last 5 yearsClass C Properties:Cashflow vs Appreciation: Typically, high cashflow and at the lower end of relative rent & value appreciation.

I expect high 3800-4100. 

I have not come across a rate that high.