If they pass that smell test and fit our other criteria then it's usually a good fit. 

A couple quick points to some of the questions you raised.- Don't pay cash, leverage.

I'm a couple day older than you on here. 

Quote from @Bo Baudrexl: I have been on Baselane for a couple months now.

@Erik Estrada is absolutely correct that working with a broker usually leads to a better rates and fees.

We do not change fees or terms unless your appraisal happens to come in lower than the purchase price or the market rent comparables come in lower than expected.

I was told that a ground-floor condo are better than a second floor condo ( If there's no elevator and Stairs are present).

Between now and the time you retire, there will be a couple of severe recessions and likely serious inflation. 

When you own a couple of units, the odds of there being unexpected vacancies that overlap each other are usually low, but when you acquire more and more real estate, the odds of tenants moving out around similar times increases. 

Put simply, a well-designed mobile app has far higher user engagement than a web only service/site.