@Eric Sipe everyone here please do yourself a favor and watch The Retirement Gamble.

There is a little, but not enough to justify refinancing that 150k back into the loan 2 years later. not unless rents start to climb in my area which I feel as though that is a bad gamble to bet on just to get this deal done.

Because, right now, you're gambling a $250 monthly loss that it will appreciate in the future.

Honestly it was a small gamble as Amazon just moved in 40 miles north.

That may change once I have millions of dollars to gamble on real estate, but for now...

You spend $795 upfront and over 10 years you save $955 on that rate decision of 4.375% vs 4.5%.If you keep the loan for only 7 years you lose money on that rate decision.It's not a ton of money, but usually the extra investment is a long term gamble that very rarely ever pays off, at least according to industry statistics. 

Are they okay with you gambling their house on investments?

May be that a lot of investors just gamble and buy properties hoping that appreciation will save them or hoping to get lucky.

He's spamming by company Facebook page even though he has no relationship with our company. 

Of course I will check to see if it fits within the confines of the anti-spam laws.