The higher the down payment, the lower the risk.

You'll find Cary and Morrisville to be the most desirable and get great appreciation too but also very competitive still, significantly higher in price, and it becomes much harder to make numbers works.

That puts you on the right side of making more money and not having those higher and higher holding costs.  

I’m concerned about the upfront higher investment.

If the property is close to White River Pkwy (just across the river) you'll find better tenants and higher rent.

That being the case how will the buyer react if the note is accelerated and he needs new financing at a higher rate?  

Commercial loans often have different terms, such as higher down payments and shorter loan periods, compared to conventional loans.Here are some steps you can take:- **Consult with a Commercial Lender**: Talk to lenders who specialize in commercial real estate loans.

It's not uncommon for Class A rentals to negative cashflow for the first 3-5 years, until rents increase at a higher rate than taxes & insurance increase.While this can be an unpleasant situation, Class A properties tend to appreciate the most and attract the best/easiest tenants.

These are individuals who are already conditioned to take on greater risk with the hope of a higher reward outcomes and will be attracted to the potential of syndicating real estate deals.Despite the greater risks associated with their current professions, I am sure most if not all are involved in businesses with  greater than a 2-3% success rate.

Likely will have a value lower than if it were 4 units (but higher rent than 4 units). good luck