We ultimately ended up negotiating a seller credit for our buyer, for the cost of having the property tented for termites - maybe this is an option for you.

I asked the mortgage company and they keep transferring me from one person to another and ultimately told me the mortgage terms are what they are.

Ultimately, the best strategy depends on your financial goals, risk tolerance, and personal preferences.

I have faced this for many years and has not been an issue (yet), and survived the scrutiny of an audit.

Ultimately, the NOI is still the most effective way to evaluate the value of the asset.  

However, multifamily properties may offer more considerable long-term rewards if you're ready to take on the challenges of maintaining numerous units and are interested in gradually creating a larger revenue stream.The optimal decision ultimately comes down to your own investment objectives, risk tolerance, managerial skills, and the particular market dynamics of the regions you're thinking about.

I didn’t sign because their aggressive desperation for me to sign up was a huge turnoff and ultimately it felt like they wanted my credit card number more than anything else (which I’m sure is the case).

Hi Craedon - if you're looking for more information on different avenues within real estate investing to do in your free time, I'd strongly recommend reading the Ultimate Beginner's Guide by Josh Dorkin and Brandon Turner (It's a BiggerPockets Book). 

Ultimately, they are given the option to purchase travel insurance at check out.

My ultimate goal is to have $10,000/month cashflow in about 10 years time with "low-effort" REI to afford a mortgage in CA :)