If interest rates go down, Refinance.

Only way I’d consider this is if they also pay a deposit, sign a solid lease and I’d be charging more like it’s STR rates.

Stockton rate of appreciation is comparable to areas like Sacramento though price points are lower. 

Hopefully it's temporary but the return rate is now below 2%.

They are cash cows with good interest rates.

Those loan products have higher interest rates.

BTW expect the rates of these from banks etc to be somewhere between 9-12% at a min - which in most cases does not provide enough juice from the squeeze. 

(generally takes 60-90 days to close an assumption)I purchased my most recent primary residence with a an assumable VA loan and am saving about $1,100 per month on my mortgage payment compared to a loan written at today's rates and I am also enjoying about 2.5x the principal paydown per month as well!!

Rental rates aren't high enough I would have to probably put over 33% down which I don't have that much to put in.

While the standard Chiacago Association of Realtor's City of Chicago 2023 lease is updated and compliant with new 2023 security deposit rates and local ordinance, we always recommend implimenting an additional "overlay" or addendum that helps protect the landlord against many things that the standard lease cannot standardize that many landlords would like to, like no smoking.