I am looking for a fillable rate sheets to enter owners rates for them to approve?

Without question the Pandemic fueled activity and mortgage rates drove investment and inventory of STR's and vacation rentals for rent up in many destination markets. 

Qeustion: Without a 35-40% down payment, would it be advantageous to buy down the rate? 

If considering appreciation and buy and hold for 10+ years, and looking across my entire portfolio, I can afford to have negative cash flow on one property, while providing a good quality property at affordable, below market rates.

There are so many more questions to ask such as your personal income, savings rate, etc., but let's take this on the surface.

The AIO is our only debt on the property and is in our personal name (not an LLC) as a requirement of the loan.We are looking to do an extensive addition/remodel on our personal home, and given current rates, we are considering using the AIO loan to help pay for it. 

Each class has different tenant pools, appreciation, turnover rates, etc.

All properties are tenant-occupied and pay rent at or above the market rate.

Then they continue to just flat rate charge us a fee for the water which for a typical residence 3/2 house is about $1400 per year for all the water you can use.

Where these numbers are found, there is a very high rate of rent actually being paid.A little more about the area:We have over a dozen Fortune 500 companies just in Metro Detroit with huge Healthcare, Auto, and mortgage industry National footprints.