As I said before - lack of knowledge. You are assuming that the monthly repayment will be $3k. There are tools available for everyone to make it way less.
Let’s start with offset account. Having it setup with your mortgage will decrease the interest part of the repayments as long as you will keep adding money to that account. More money, smaller interests.
Second tool - interest only loan. For first few years you will pay only interests. In my case it will cut the monthly repayments almost by half. Combine it with the offset account and each month you save some money on offset account the interests rate will be lower allowing to save more.
And finally - interest in advance (pay the whole year of interests upfront). I don’t know US tax laws but where I live this gives me tax deductions starting from day one. This will work only for investment property.
Also there is a thing called refinancing a loan. When the interest only and in advance things are coming to an end refinance a loan and start over.
On top of that is the mindset. People need to realise that in order to make things better some sacrifices have to be made. So when buying a house get the investment property first and work your ass toff to pay it off as soon as possible. After few years the value of the property will go up and you will be able to get a bigger loan. Buy another investment property in a better neighbourhood to get a bigger return.
To summarize, talk to someone who knows that stuff (not a banker, a real money guy), check bank offers, read articles about investments, learn about taxes. It’s easy to complain and do nothing.