If they are overpaying and you are concerned with turnover, then I would help them out with the landscaping.

I suspect the new title examiner has found something in the chain of title or the execution and notarization of your deed that makes them unwilling to rely on it to issue your buyer a policy without exception for the concern(s). 

Despite concerns over store closures, demand for retail space surged in the second quarter of 2024.

I am not a financial advisor and not giving financial advice.Reading through your post, your concern is risk management versus paying down debt, which might be a solution.1.  

What's more, you're a beginner and expect a private lender to lend you the down payment and closing costs, so you can get a loan to finance the rest?

I’m concerned that holding this note may prevent me from closing on future deals due to DTI ratio.

Future risk is always a concern however never a value in an appraisal.  

If you have concerns, don't buy. 

Really just looking for like minded people who aren't into gate keeping and don't mind lending a helping hand to a total beginner!

I am contacting you to formally request validation of the alleged debt concerning this account and to inform you that I hereby dispute the validity of this debt.