Of the two additional properties I own, marked as investment and vacation, they are 3.5% and 3%, refinanced, and bought during the pandemic. The former, five years prior, was marked as non warrantable, as in no bank would even give a loan for it.

So, while investors don’t get the same rates as homeowners, they still got very good rates. If I had had capital, I would have bought a dozen more units at that time.

<5% == Free money.