Putting more cash down

[Alex Silang]

So I'm middle aged. Total return used to allure me but no more. With rates as high as they are and RTVs this low, I'll probably barely breakeven (if that) if I did standard 80LTV.

I like cash flow. I'm borrowing at the rate of ~7% and 7% is a great return to me, especially with the stock market near all time highs. 

I was even thinking of going 50/50. There'll be a prepayment penalty but I can always refinance a few years down the line, depending if I need more cash. 

What do you think about this? Any tips or advice? I'm in unchartered territory. Thanks