At times, the numbers it provides are more realistic as well.

I have 8 rental therefore 45-50 DTI is not realistic for me anymore.  

These are not actual numbers but just for illustration purposes - though look quite realistic for the market I am considering based on Zillow, FurnishedFinder and other sources.Vacancy rates for MTR are low due to an acute shortage of nurses. 

My market research shows an after repair value of at least $300,000 but I think $350,000 is realistic.

So, if I am putting down say 20 percent on a new loan for a vacation rental, my realistic goal should be "Let other people pay off the rest of my investment for me."

Well if you are buying at an 8% going in today, I could argue that compressing it over 5 yrs (again depending on asset and market) to 7% is still a realistic expectation, especially if your sensitivity shows you can still make an okay return if cap rates do continue to expand.b) you need to be more patient.  

Realistically, your new construction will rent for and sell for more than older inventory in the market, given no deferred maintenance and modern amenities.  

Be realistic.

I'm sure there will be one person with a perfect scenario including an unreasonably low LTV that will disagree, but I don't believe your asking for what is the lowest they can go in a perfect situation, but rather what is a realistic rate you can expect in the future and 7% is a realistic low end. 

All mine have always been free and clear So netting 800- 900 per or more (on Duplex) is realistic.