Kyle there are a ton of options here that you can compare.

Great question @Lorraine Hadden,You should always compare both side by side to see the advantages /disadvantages to each.

The cost associated with insurance for not having 20% is peanuts compared to what you potentially can do leveraging your down payment. 

I would compare it to you or the Seller buying down the rate permanently.

There are other players in the game to compare with like Kenny Bedwell at STR Insights or Bill Faeth's coaching.

Understand the fees involved and calculate the total cost for an entire year of management so you can compare the different managers.

This creates a market for both short-term and long-term rental properties.Affordable housing, Compared to cities like New York, Washington D.C., or Boston, Philadelphia offers relatively affordable rent, or section 8 tenants, especially those who are relocating from more expensive areas. 

Use AirDNA to get a better feel for what may be projected and then dive into Airbnb and compare to your competitors. 

For instance, Berea is a charming college town, but the combination of local taxes and less favorable price-to-rent ratios makes it less appealing for investment compared to other areas in the state.Agree here! 

What are the comparables in your market doing at your expected price point?