I greatly appreciate your advice and will definitely PM you sometime in the near future to get into contact with that lender.Thanks again!

[Yes, I know that doesn't include future appreciation].The reason for that question is: Could you find a better percentage ROI elsewhere, by selling it?

I want to invest in a multi family property but am hesitant to do so considering New Jersey is very expensive, I am a young female (this may be a problem when dealing with renters) and my future is very much so undetermined as I am just starting out in the "adult world." 

That is my plan and the future of my wealth building to produce a free life for myself and my family.

Will they be more concerned with the current and possible future NOI?

Also I think that it may allow us to aquire a larger quantity of traditional home loans since in the future my DTI will be much better ;) ...

When you say "retirement home", do you wish to use it now as retirement home, or sometime in the future?

I am assuming you have already closed, but for future reference I have had good experience with BKCW Insurance in Killeen. 

@Matt Feraco I've heard it said that you should replace your W-2 income for a sustained period of at least two years before quitting.

If your goal/strategy is to build a nice nest egg for retirement and not replace your current income (not knowing where you are in life), then netting 5% while padding your future isn't that bad of a deal, especially since there are ways you might be able to increase that 5% through property and operational improvements.