50% LTV DSCR Cash-Out on Mixed-Use

[Bradley Hardy]

Looking for some collective wisdom.

I own a mixed-use property and I'm considering a 50% LTV DSCR Cash-Out to use as down payments on several other rental properties. The goal is leverage smartly, scale the portfolio, and let the assets do the heavy lifting.

Here’s the part that makes me pause: I’ve received a quote at 9%. I know rates aren't what they used to be, but 9% still feels crazy high, especially with 780 credit score and 50% LTV.

Is this a reasonable move given today’s market?

Is 9% just "the cost of doing business" with DSCR and mixed-use right now?

Any creative alternatives I should be considering?

And most importantly any loan folk want to give it their best shot?

Appreciate any thoughts, opinions, reality checks, or sarcastic remarks. Thanks in advance!