totally agree with you boon. nowadays many banks are able to loan the amount up to 95%. even the amount is 95%, loan agreements, valuations, etc, is mostly covered. even some banks is willing to absorb the penalty if you refinance. that is, if your property is for your own use.

the main important question is, the cap rate. there are no banks giving cap rate. even if there is a cap, it is only for certain years.