Some packages genuinely improve property performance, while others might feel excessive.

Additionally, it's easy for a house on one lease to get absolutely trashed by the renter.

IMO this is much too little additional return to put your personal residence at risk.  

Spend at least four hours a day on prospecting and lead generation.What are the best ways a new agent performs prospecting and lead generation?

and maybe change the water once or twice per year).I always consider 40% of what sales person say, matches the actual performance.

Selling an existing, well-performing asset has some risks.  

Furthermore, whole note investments benefit from an additional 0.5% annualized yield and are entitled to a share of any extension fees charged to the borrower."  

The only think I hear about hers is it is difficult to have work performed on it by a contractor.

If they failed to perform, you should have been able to terminate early and/or end your contract without penalty.

I agree with the others here that say you need to have some skin in the game, if you are going to live there yourself, get an FHA loan rather than owner financing, you can get a 3.5% down loan, personally I do not love these as they require  PMI which is an additional expense, and you also need  bring additional funds for closing at least for taxes, title, attorney and transfer fees . borrowing from anyone else for the down payment, to include a personal loan from the bank is not a good idea, those again will be higher int. rate.