Alternatively, restructure the loan with equity participation for potential capital gains treatment at lower rates.

I do believe if the potential investors asks for an opinion, if you provide your opinion it should be an honest opinion and not necessarily what will achieve the commission.

@Michael Keffer Hi Mike, I am still interested in learning more about Ocala FL for potential future investment. 

So, they could potentially buy another house later on.

Really interested in investing in this market and would accept a relatively low return (or even a break even scenario because i believe in continued appreciation potential here). 

Assume a couple of months of vacancy, consider potential unexpected repairs (like HVAC or plumbing issues), and test the numbers with rents dropping by 10-15%.

Here you would have to put it in the MLS if your are with NAR, but it wouldn't syndicate out to all of the public sights, and you can send it to any potential buyer that you may know.

The potential problems mentioned by the responding posters in this thread are real and well thought out.  

Also this could be a potentially lucrative business partnership.

This will cost money to maintain, cost money to manage leasers, subject you to the will of tenants/leasers should they damage something, should someone get injured, your money will be gone (for now), subject you to the will of the market, interest rates, potential market volatilities.. you will need a lawyer at that amount for sure and a good CPA.