@Rob BlockAll interest payments have been received, with full return of principle on the first two. 

I feel comfortable with investing in properties out of state, sight unseen, because I am investing in the people at OCF as much as the properties themselves.

If 1% makes the difference between doing the deal and walking away it's not the right deal.I picture agents like her getting slaughtered in whatever the new system is by people who stick to their principles, are firm with their rates and have no issues setting boundaries and expectations with others.

Would you pay principle and interest or just interest only?

Most of my experience with ads is from another business and I'm sure many of the principles apply, but I'm super curious about any communities that may be out there sharing tips and trips.

When working with an agent and trying to find an off-market deal, it is important to follow certain ethical principles.

Adjust your sights to 65% and below. 

Don't lose sight of the end goal and don't give up.Good luck!

If I had a 30, then the extra principle payments might not look as attractive and maybe I don't follow it as strict.

That covers the interest on the 401k loan not paying back the principle.