Additionally, I am also open to the Tobyhanna and Strausberg area as well.

Of course, I had to make additional assumptions about the cost of property taxes, insurance etc. 

Are you prepared to kill the deal if the seller does not give you additional discounts/credits or security deposit credited to you?   

Additionally, small loans like you're describing are not looked kindly upon by lenders because they're doing the same amount of work as they would on a $500k loan but for a fraction of the yield.

@Mark Toweya couple things - from the seller's perspective, it means the seller doesn't have to wait the full 30 years to get the proceeds, and from the buyer's perspective, hopefully in that 5 years appreciation and maybe some updates have increased the value such that when you refinance you don't have to bring any additional cash.  

Because of the additional income I am producing through the consulting business, I am afforded the opportunity to invest money in real estate.  

Many investors budget an additional 5%–10% of gross rental income for CapEx, though this too depends on the property’s condition and the age of major systems.

This will additionally impress the seriousness of the issue.

In addition, as others suggest, guest damage insurance such as proper or safely would be good, for those bookings off Airbnb/vrbo where guest damage coverage isn’t available. 

This strategy balances tax efficiency with proper estate planning.