I've got great credit and a healthy amount of capital compared the loan amount.

Congrats on at least taking action.You've got nothing budgeted for vacancy that I can see; it depends on how much turnover there is in your market and what your prices are like compared to the rest of the market, but most people would budget 1 month of vacancy/year/unit.

I recommend taking a look at comparing a few quotes.

Create a simple spreadsheet or written list to compare the features of each and identify the ones that align with your requirements.

Technology is a good partner the more you know on your own.You should make a list of areas you might be interested in first - maybe you lived there or have friends there, you always wanted to go there - and then compare that list to some best areas list, do some of your own research, and then use a major data tool to look.

I would caution on comparing these returns to the S&P 500.Real estate has been pretty much flat the last 2-3 years while the S&P has been on a great run.It's human nature to sell the lows and buy the tops.

@Ray Hernandez Totally, totally different experiences and not really comparable. 

All these providers balance speed with compliance, so it’s worth consulting with them to compare timelines, costs, and support for your specific needs.

Here are a few key points to consider.• Stronger Comparable Sales: Are there better comparable sales that should’ve been used?

I agree with @Patrick Franta and @Mike Neubauer that  a 1 bedroom will give you a better ROI though because you can still find relatively decent deals on 1 BRs compared to 2 Brs.