It's lower than 1.5%, sometimes I price deals out conventional & DSCR, DSCR beats conventional pricing a fair amount of the time.The only catch is the prepayment penalty on a DSCR loan.

The equity is actually what you are paying for the property.In this case let's look at the numbers that count,...the current numbers.You have about $500k or more in equity, which is buying you a property that's worth about $700k (I went with the lower PV. 

If I were to do it over again, I would strive for higher class properties and would not have purchased anything below class B.Higher class properties typically have better tenants, lower turn over costs, less tenant issues, etc.  

I have focused my research on house hacking due to the lower upfront capital requirements with an FHA loan.

“Your success is only because you started back in 2025 when prices were lower, it was easier, etc etc.

I went to every one of the 65 hearings myself and got 61 properties lower and 4 remaining the same. 

I prefer to stay further from the coast and hopefully further from major storm/flooding events (potentially lower insurance costs).  

That will get you looking at cash flow and end up in a lower rated area than you think.

The market does offer lower priced investment opportunities and higher cashflow returns, with ongoing revitalization projects like the DORA boosting appreciation potential.

The lower barrier to entry would be excellent for my personally smaller net worth.