If you're cash flowing positively, gaining natural appreciation, your interest rate is reasonable and your tenants are paying down your debt I don't see why you would want to make extra payments, personally, unless maybe you're ready to retire and need the extra monthly income to cover your living expenses, or you're worried about hitting a rough patch and not being able to make the payments.

I’m just worried it won’t cover my cost to pay my lender back for the flip and I would have to come out of pocket or sell the house for minimal gain. 

The tenant will get their insurance that covers their stuff.Thanks

Also, what I’m asking for will cover all expenses while still meeting here investsmwnt goals.  

The big thing with Pace's program is he's not 'just' covering 'Subject To' or 'creative financing' stuff.

By writing and signing an agreement that covers as many potential issues as possible.

And also, since I am the borrower, am I correct in my understanding that I would be subject to a tax on cancellation of debt which would lower my total IRR.I saw many years ago (like in 2017) on BP that note investors were shooting for 10-12% IRR in a zero-interest rate environement. 

This one is available online for free at nfpa.org.Much of what's in these docs doesn't apply, because they cover a LOT of ground. 

It's 750 sqft and I'm trying to get a tenant to pay 2750 which will just barely cover all the monthly expenses and utilities.

They have low interest loans which make buying their property subject to their existing mortgage a great exit strategy for these sellers.