I think I mentioned my Daughter worked at Intel they laid off 15k peeps and are in the process of selling off most of the business.

The city determines whether your investment can meet the three requirements mentioned above.

You mentioned that you are not a W-2, but that is not the only status of income producing individuals. 

Every system you try will have flaws, or you may salivate over a feature that appears in other software.Some familiar names are mentioned frequently: Stessa, Apartments.com, RentRedi, TenantCloud, Innago, RentManager, Avail, Rentec Direct, Doorloop, etc.I recommend conducting thorough research on each app online to understand their offerings, pricing, etc.

It could be worth talking with the contractor you mentioned to discuss this possibility). 

As you mentioned, the benefit to paying it off is the peace of mind and simplicity. 

On the above mentioned $200K / 4% loan you will pay $144K in interest over 30 years paying by the amortization schedule.

Quote from @Violet Cobb: Hey Michael S Brown, and everyone else who has mentioned me in a comment on here.

I have heard the name of one of the founders mentioned in the past and they had a good reputation.

To expand a little on what is mentioned the underwriter's guideline, a DIL does not extinguish subsequent liens, so if the borrower has judgments against him/her/it that attach to the property, the DIL grantee takes title subject to them and may have difficulty getting them released later without payment.