I could strongly argue to use a trust for property ownership. 

I don't understand how we can argue that the low rates weren't a primary cause of increased values.

What is there really to argue about here.  

I'd argue (without running the numbers closely) that... 

Have a $500k-$2m liability insurance policy on each property and if really worried, also put them in umbrella policy as well (I did this, I was worried)Liability is lower for “mom and pop” landlord so under 4 doors, statistically lower risk.After 4+ doors, do LLC.At 4+ doors would be hard to argue you aren’t running rental businesses and should have accounting structured as a business as well as gear up liability protection.NEXT QUESTION“Should I put every property in an LLC?”

The 5.5% rate he quoted me in the beginning was achieved by paying 2.5 points, which he's arguing would not be worth it if I'm able to get 5.5% in about a year with no points and possibly pay points to lower it further. 

If both are with the same company, there is no advantage to arguing about which pays.   

In my market (Twin Cities,MN) our ratio of household income/housing values seems much more in line with fundamentals than other markets, many would argue that we have plenty of room to grow.

Thank you Steven I meant for my own personal criteria i am going to argue down the price of course but purchasing this property i will not be able to afford the payment on my own. 

I'd also argue, $200 worth of landscaping would help your tours a lot.