The only thing you can do is shop around for a better rate and hope you can get one from another carrier. 

I am patient that living off the cash flow would come a few years down the road, as the loan is paid and rents gradually go up and or rates go down.

30 yr fixed rate mortgage How did you add value to the deal?

Are there websites, that will giving me the current going rental rates for 2, 3  or 4 bedroom units in the different parts of Baltimore city Maryland?

One has to remember that rent rates nationwide have softened.

With $20k in savings and an additional $4k monthly saving rate, I'm navigating my next steps carefully, especially since I value starting with a substantial equity position in any deal.Here are the options I'm contemplating:Invest in a Low Entry Property: With my capacity for a 20% down payment, I'm considering properties in the $100k-$120k range.

Hard to say what rates will be doing then or before (without making wildly inaccurate predictions that will come back to haunt me), so I'd just say to ensure you know what kind of (or if a) prepayment penalty is baked into the loan.

The going rate in the Austin metro is 1 month's rent as a fee.

Low interest rates contributed to this mindset, making it easier to cashflow.

Or in other words, the rent received from house hacking would cover our housing costs (mortgage, property tax, insurance, repairs, utilities).Upon research however Oahu seem to be a high cost and low cap rate area similar to SF where we currently live.