We own 3 other rental properties that have a 6.5%-7.5% APR, and no credit card debt or any other high interest debt to pay off.

We also have a huge budget allowance from the city over the next few years to improve public transportation measures within the city.

I make sure I screen each potential tenant thoroughly (background and credit checks) and require references.

When I asked if someone had an affiliate code (so I could give them credit), they didn't.

Have you experienced any improvements in Inspira's service and response times? 

I have two options 6.625% 30 year or 6.15% 15 yearI want to invest aggressively in the near future on more propertiesThe loan is only $110k and the monthly payment for 15 year is $563 and $750I will earn 2-3k a month in gross rental revenueThe property is in a declining population areaRecently rennovated, and all major things were relatively recently improved such as plumbing, the roof, a/c, electric, etc.Will require a lot of management as it is rent by the room so I may switch to a normal rental after 10 yearsI'm trying to find what will mathematically net me the most money in the long run.

If you need the cash flow to live on and it will improve your lifestyle, then go for it.

But at a $1.5M asking price, as long as you don't have to spend more than $300k in rehab (without raising rents), this is a slam dunk deal that should easily be financed  at 75% LTV by a "investment real estate-friendly" bank/credit union that is located fairly close to the properties.

There are loan programs that will do a 20% down payment with a 680 or above credit score. 

Most commercial lenders want a 680 credit score,  or they won't talk to a borrower.