Why does this seem too good to be true? 

This is an opportunity zone area.Is this a good place to buy investment properties? 

The investors in the secondary market have a very good grip on the prepayment risk associated with a drop in mortgage rates and use pricing or yield to offset this, which is why you so often hear of borrowers paying points and lender fees.

If any of this sounds scary or not worth I would reconsider wholesaling.

So we often have to remediate this and touch paint.

So now I have a tenant complaining about the lack of service.Any one deal with this before?

We live on the opposite side of Canada for work right now relative to where this house/city is.

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If i can invest it and make a significant better return after tax than paying it down I would do that but in this instance you will never be able to achieve returns that match credit card debt.

Quote from @Nancy Almann: thanks @Kevin Sobilo - tenants who live in another, smaller apartment want this unit for their 4-legged family.