On one hand, I feel that it is a great property and a great time to buy while competition is low.

But, hey, you have a low rate. 

Quote from @Caryn Seifert: Why do you think the fees are low? 

I was able to get free hand and get the spray on him....and apply some low end not so nice blows my dad taught me to use when battling a stronger opponent ....then I called the cops.  

FHA 203(k) loans are good if you plan to live in the property, offering a low down payment.

That's low, but not zero!

This'll mean low money down and usually a good interest rate.

However, some investors see potential in these markets because of low entry costs, steady military demand for housing, and decent cash flow from rentals, especially if the area has stable, government-backed tenants like service members.

If he has low income or is risk adverse pay it off.

I like smartcore from Lowe's, natural wood look with texture.