Football players or any ultra high income earners are targeted because they are seen as less financially savvy and more importantly they have MONEY.

I've found this mortgage calculator breaks down all the components really clearly: https://ultra-calculator.com/calculator/mortgage-payment.

With your cash flow and capital ready, one approach is to look slightly outside the ultra-competitive core markets where you can still find properties that cashflow well.

If anyone tells you that you can get 15% cash-on-cash it's either a scam or ultra high risk. 

These types of LP investors are ultra high net worth.

Banks want ultra-conservative underwriting, which makes bridge and private capital a big part of the conversation.Down Payment: For many investors, especially in today’s higher-rate environment, finding the extra equity piece is harder than sourcing the deal itself.

The loan amortization bit shows exactly when I'll hit 75% LTV for refinancing. https://ultra-calculator.com/calculator/mortgage-payment 

Keep your cost of living ultra low living with parents and continue keeping it low by renting the other other unit or living with a roommate.

Avoid the ultra-cheap off-brands — the locking mechanisms tend to break.

Full-Appraisal Loan (75% LTV) – When Leverage WinsExample:You’re buying a stabilized rental with plenty of time before closing—no bidding war, no motivated seller.Purchase Price: $200KLoan at 75% LTV = $150K (you bring $50K cash)Appraisal risk is low because comps are solid, and you want to keep more cash for the next deal.This works best when:You want to maximize leverage and recycle cash quickly.Timing isn’t as critical as long-term financing terms.My Opinion:Speed wins when the deal is time-sensitive or ultra-competitive.Leverage wins when the market is stable, the appraisal risk is low, and you want to stretch your capital further.