Higher LTV ratios come with higher interest rates, so you’ll want to think about how this could affect your overall return.

How important is it for me to be able to easily visit my target market? 

We've found it has superior reporting features, integration features, and is overall more efficient to work within than other REI-specific software.The downside is QBO is not set up for REI so you'll need to do that or work with an expert to ensure it is set up for your business appropriately.Something else to keep in mind is your entity structure and how your entities file tax returns.

I could refi and have the property for free plus maybe 5k and $120/mo but to me - that just isn't a good return. 

@Anton TikhomirovPrices and potential (cash flow) returns can be slightly misleading if the investor only looks at these. 

In addition, real estate is already tax advantaged, so you’re losing the tax advantages of owning real estate.Personally, I think real estate notes are better suited for self directed IRAs personally because you can get decent returns and notes not held in IRA is not tax advantaged. 

Making matters worse the investor with limited resources cannot recover as easily as the investor who makes the risky investment but does so knowing they can afford to take the L. 

If you want to do a little projecting and can see the rents returning back to normal (precovid with normal growth) then now might be a good time to grab one. 

A lot of these numbers of what I have pulled from the real estate listing, and inquiring on property management/landlord insurance rates.I am not looking to make a fortune overnight and realize this would be a slow return on investment/passive income.

You can easily do this on a spreadsheet, and it will take less time to track than finding and learning new software.