We have very little vacancy and I’ve been able to continue to increase my rate after each tenant. 

I'd be curious to hear what others have seen for rates on a deal like this.

Can you get a discount or add value?  

@Srinivas Reddy  Yes if you can, as you might get a multi policy discount. 

prices and rates are high and there is lots of competition for deals, both on and off market. 

I would stay away from long term contracts and pay by the month to start if you are using a service and then after you have real world experience with it, you can sign on for a year for the discount.

As for paying it down vs waiting-if you have enough to get a mortgage now and the down payment and the interest rates on the debt are low; then find a rental and buy it.  

That said we maintain a 4.8-star rating which we're very proud of.

Probably worth about 260k)Down payment: $100,000Interest rate: 6.75% (option to raise rate in 3 years but not down)Loan Term: 30 yearsBuyers monthly payments: $1,394.49When I crunch this into Chat GPT is says I am getting a 271.87% ROI.

unless this property is unsalable on the open market or your selling it for far more than its worth this is a Pass full stop.. 4% is not even close to market rate for seller financing it should be 8 to 10%and if you need cash then you have factor that into their down payment.