I am currently undergoing my studies in real estate; I have minimal experience in the real-life environment of real estate but I'm passionate about the industry and want to pursue it full time in the future.

1) good job finding a 9 unit for $360k if it’s not in a war zone or a very small town. (25% down = $90k)2) saying you’ll get a “50% COC” return on zero cash invested, is still zero Cash flow but nobody would expect a 100% financed property to cash flow in a high interest environment  3) I hope you’re not paying for this “credit line” this is a very common scam  4) because that debt will show up on your credit, make sure your DTI will still let you qualify.5) make sure your lender will lend to you with none of your own money invested, 99% won’t. 

We are having a harder time making the rental numbers work in today's environment.

In that environment, most of a passive investor’s concerns related to honesty, transparency, accuracy, and timeliness are managed by the administrator who is a neutral party.

Yes, that's correct that the uptrend is relative to pre-covid level, which was in a low interest rate environment.

Mind you this is not all-inclusive. 

Has you thinking or your reservations shifted in the current environment?

Also, most lenders I have talked to are not going about 75% LTV on investment loans in this environment, even those that would do higher before.

If possible in this environment, bank financing will serve you much better. 3% money does not exist with SF.  

In this current environment I envision it being very difficult to secure one.