The risks are just too high in my opinion and you can pay a pretty steep price as you did in your case. 

You will pay higher financing fees etc.

It should give a good return, over next 6-9 months with either a gradual FED rate cutting and a great return with a Recession. another option is AGNC/NLY. 2 mortgage Reits that own billions of agency MBS, so as rates fall, their underlying bond assets will rise in value dramatically causing stock their prices to rise, and they pay hefty dividends while you wait, AGNC paying me >14.4%if staying in cash consider USFR pays 5.4% taxable, or BKN 5.6% tax free as munisGO TEXANS!

If not, then the tenants are responsible for payment.If you list the insurance provider as the payer and they fail to pay, you'll be stuck with tenants that have zero responsibility for payment.

If I get a few more units I may upgrade to the pay version.  

But I have also found that finding a great real estate for your team will more than pay for their commission.

In many cases, they'll more than pay for themselves just in being able to get you more rent. 

Paying off loans or saving up for an investment property are great ways to set up for the future.

This requires an income that rises faster than inflation, or you will not have the additional dollars you will need to pay future inflated prices.What causes rents (and prices) to increase?

3 quality tenants in place paying just shy of fair market value. 1 vacant turnkey unit.