Also, if your DTI is so tight that a car payment will knock you out of lending, AND your decision has gotten you into this predicament: it doesn't show the lender that the loan they give you will turn out much better.Is this your only tradeline?

I'd love any/all feedback/questions/anything on the deal as I'm going to need to make a decision in a couple days.

Base your decisions only on achieving above market with S8.

@Corey G.Yes close enough for decision purposes. 

At least get one to help you make decisions. 

I know a buyer broker that would go right around the listing agent and work directly with the seller and the listing agent is then out like the fat kid in 5th grade dodge ball if they pull some of the nonsense you hear about.Generally, the poor Buyers Agent is limited as to what they can do for fear of having the listing agent file a complaint on them with FREC (Florida Real Estate Commission)But as a Florida Mortgage Broker, I'm not subject to FRIC, FRAC or FREC and have no problem going straight to the seller if needed or ask by my borrowers. 

Then charge market rent based on equivalent properties.Then compare the normal higher end finishes you have used and what equivalent properties are getting for rent.Then you can make a decision to where to reel in the rehab or go for broke.

@Denise Evans is absolutely spot on about sending in payment and receiving the Deed to the property and how long it can take; I think that should be a factor in your decision making as well.

Acceptance of the escalation clause is the seller's decision.

I can discuss and negotiate more in 15 minutes with the decision maker/owner than two agents trading stories about each others children and then trying to figure out how to meet in the middle without pissing each other off or their clients.