Trying to figure out what their pain point is to see if terms might help. 

The prepayment penalty could be painful if rates drop within the next decade.

What a pain to have to do this every year.

Every market you go to will have growing pains associated with learning the market nuances, finding the right team, and finding the best deals.

Its a pain to do any work with tenants in there, don't get me wrong, but it does not need to pass before advertising it for rent.   

It may be painful getting to this point, but once you get there you will be glad you did it. 

I feel your pain; I have also had to battle (at times) with my wife to hold on to my long term rentals!

I am in this too, I have been doing work for some investors oversea and this is the pain falls that I found (time difference is only 3 hours though):- Tenant screening, we found that sometimes without meeting the tenant, everything looked good until the meeting.

Our situation: My father is a cancer patient, and I am a permanently disabled adult in my 30’s that is in severe chronic pain after a workplace accident.

It's a pain in the butt.