Also, taxes occupy a huge space in your thinking, and business - a tiny space in comparison.

Try shopping for some rates for comparison. 

Make sure at least one isn’t tied to the PM so you get a true comparison.

Action StepsVerify with your appraiser or contractor if the “bonus room” meets bedroom code.Lock in solid leases at strong rents (on paper, not verbal) before your refinance appraisal.Gather student housing comps, even if they’re duplexes, the rental income comparison can help justify higher value on DSCR loans.Have a backup plan (cash flow paydown, bridge loan) if appraisal doesn’t hit as high as you need.✅ Bottom line: You didn’t make a bad move.

For comparison, in a market like Columbus, Ohio where I invest, you can still find properties in the $120–180K range that hit the 1% rule and positive cash flow from day one, but you won’t get that 3% debt again.

How bizarre, an investor like me can make such a comparison given my perspective. 

Almost all rentals are now tritoons at resorts, not because there cheaper because there not, it's that demand for fishing boats is so tiny in comparison. 

I was not able to find any recent comparisons in the last year and since features and pricing change over time, wanted to share my research. 

You might be able to find a lot of this info online, on YouTube, here, etc and piece it together however as a busy professional I didn't have the time personally to try and fail - nothing wrong about choosing that path however I knew I didn't have time and I was in peace with hiring a coach to help me through my first deal, 8k is affordable in comparison with the 30,40,50k programs out there.

The small tax savings you are getting now will pale in comparison to the taxes you will have to pay on a giant pre-tax retirement account that has grown over several decades.