.$1,850 versus $150,000 is just over 1.2% rents and it appears you're paying the electric bill which artificially inflates that number.Having to put 8% of your rents towards flood insurance and another 8% towards property insurance is crazy.Property taxes aren't terrible, I like to see them under 1 months rent.You have no property management, lawn care, repair contingency, vacancy contingency, or CAPEX contingency in your numbers.The seller obviously isn't doing you any favors on financing... high interest and short amortization I'm guessing. 

Someone to sign things and take all of the liability away from them, while having absolutely NO say or control (autonomy) to change ANY of it.At this point, I am working fulltime in locums medicine (that means I travel to communities who desperately need my help), while spending my evenings working 2 fun little direct sales businesses (to learn how to market and sell, since I have no experience), finishing my real estate course for this new state (in case we stay longer than anticipated AND because more knowledge is ALWAYS better), AND working on an master's level certificate in Financial Planning (so I can get a much better understanding of the "business world" before committing to something as pricey as a MBA (I have enough debt already!)

Down side is it can artificially increase the initial offer you have to match since the other potential buyer will know there is a ROFR..2.

Many are trying to build computer models to identify a good deal, until we have artificial intelligence perfected RE is a knowledge game, a social interaction, a boots on the ground thing to verify valuation, condition, location, utility and function, things you can't put in a program, nor could you obtain the property data to input. 

I already work in internal medicine and plan to do real estate on the side (selling minimally) to family and friends for flipping purposes.

Any cash flow arising from a reduced mortgage payment, or equity in the property, is artificial cash flow as it is derived entirely from your own  money not the property. 

If they really are near the limit of what they can comfortably pay, you might give them a little more time to find another place, but I would not keep the rent artificially low due to that.I hope this helps you.

I'm also hoping to retire at about 40, but I haven't yet been able to figure out how to minimize my exposure to health risks enough yet (provided that medicine doesn't get socialized or something by then).

Hi, my name is Arnaldo Mora, I'm a Doctor in Internal Medicine, and as part time I'm trying to do investment in my  area, I'm in the beginning of real estate business, only I have one apartment  and one Medical Office, hopefully in the future can I share with you more successful deals. 

I call this phenomena "artificial demand" ... haha.