In Utah, a real estate agent is required to disclose in writing and have all the principals sign something disclosing all agency relationships. 

Originally we were going to out it back into the principal to pay the house of quickly (like 3-4 years) and eliminate our debt to fund retirement savings faster.

Account ClosedThe principal theory behind a 'specified service trade or business' (SSTB) is that these trade or business lines encompass businesses where the primary asset and revenue driver is the reputation or skill of the owners and/or employees. 

You will also want to find out if payments are interest only or if some principal is built in.

For a house at the 99K range they must really want to sue over principal. 

As you know, investing up at that high a success level doubles your principal in like 5-8 years.

@Tyler AltomareThe underlaying principals of investing in real property are the same, however you will find there are substantial differences in regulation, finance and taxation between Canada and the U.S.A.If you search the forums here on BP, you will find several threads listing Canadian reference material.

We follow the principals of COPE, which stands for construction, occupancy, protection, and exposures.

However, mine isn't and requires a good bit of principal pay down included with the minimum monthly payment. 

As we bought more houses, we needed "reserves" of the principal-interest-taxes-insurance for each property.