When there is a sum of money in the bank, I’d rather buy another property than pay for fire damage, and I’m happier with the insurance coverage.  

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But I guess if you want to give a bank $375,000 upfront and $10,871 a month for 30 years you are welcome to.

If they're working with a bank/CU, then it's even less.

Credit Union, Brokers, Banks (all have different advantage & disadvantages). 

There are a few banks in HK that are also located here in the states.

This is already going on in banking.

Payment to the bank is $4,311 (includes escrow/insurance), total monthly rent $5,600, which leaves me roughly $1,300 monthly after expenses.

At this point, I would recommend having a line of credit to cover these things so you don't have money sitting in the bank doing nothing when it could be put to work.I have 33 units, no debt except for mortgages, and excellent income.

I've done it multiple times on primary residence and was just able to do it on an investment with a local CT bank.