@Bruce WoodruffI guess it depends on how you define "real risk." 

From our experience it depends on the Housing Agency!

Also depends how much the commercial loan can increase in rate at the balloon period. 

Depending on your statutes you could switch to a "per day" late fee.

Your decision may also depend on whether you have children who are willing to manage the property after you're gone.

There could be options depending on what the ratios look like with expanded dti guidelines  

also consider the added mess from fruit trees, as well as the things they attract, for example in WI fruit not picked that starts to break down or drops and left to lay attract yellow jackets and other stinging bugs as well as the hazard of falling fruit, and staining concrete depending where they are. 

Well, it depends a lot on how much your tenants care about their Credit Score.Sadly most Collection Agencies I've worked with tried to "make a quick buck" meaning use scare tactics to make the tenant pay before formal litigation.

Some folks swear by one over the other, but honestly, it depends on what you're looking for.

Typical rates are 8-12% of income either monthly or yearly depending on manager.