There was no accident or are you thinking insure payment/performance?

I'm performing a 1031 Exchange from California so real estate investment with relatively low time requirements is a must.

The type, age and condition of properties can influence the amount of reserves.  

Is your program fetching data files from the site or is it an automated script that performs the human functions of clicking on the website interface to pull out the data?

If so, they'll primarily base the loan off the LLCs performance, not W2.

Do you have the time and skills to source the property, perform a successful rehab, and get a good tenant in place, or is that time and knowledge better just bought in the property package?

First, I didn't see if you were active duty or not but that might have a little influence on the decision here.  

This can allow depreciation to be taken where there is otherwise taxation and the tax-deferred (or tax free) status of the retirement account can completely shelter the loan income.Some people oversimplify this to mean "don't buy real estate in an IRA" which is just misguided, in my opinion.It's really all about maximizing the performance you can get which each available financial bucket you have.

I just closed three weeks ago so I'm not sure how they will perform.

If you are looking for performing assets in these areas, you should be looking in the 30-50k range per unit depending on level of finish and upkeep.