@Mike Griffin in the grand scheme of things, real estate and stocks are actually not the safest investments. 

I guess my thought now is that the $20k difference in the grand scheme isn't really that big of a spread across 10+ years I plan to hold this property. 

A few grand per unit is good and then put ~15% of rents aside for repairs and CapEx.

I can barely do a kitchen myself for $8 grand.

If I see it needs a new roof I won’t even consider it unless it’s absolutely smoking of a deal because a roof on a 3 or 4 unit 3,000sq ft house can be 8-10 grand right off the top .

No ..but I’m greedy lol  as an example my triplex gets about  $1,500 a month in rents .After all expenses I get around 275$ per- door .... 800 profit a month ,Did I mention I only paid 35 grand total for the property  ?  

In Spring, for example, the construction of the Grand Parkway is turning the rural into the suburban as new housing developments are built daily it seems.

This stip agreement will still cost about a grand though as we need to pay attorneys fees to handle it in court.

Is The headache of managing that property worth the difference of 4-10% of 40 grand over the next few decades ? 

Saving you a grand total over 30 years of $4,416 or $12.26 a month over 360 months.In order to make up for the $12.26 a month you would save by putting an extra $5,000, you would need to make (besides the $12.26) in percent terms, 0.245% or 2.94% yearly.