My concern is I am wanting to buy and hold long term and am worried about rate hikes impacting future cash flow.

From what I have read the wiring and AC systems are thought to be impacted by the dreaded Chinese Drywall issue....  

BP Community:Looking for HVAC contractor in St.Louis (In the city - converting from boiler to forced air and AC).

How to break the military mindset:Which forces us to not think for yourself or question anything while this is and was important while i was in the navy it took me a couple of years to start THINKING again and acting on my thoughts. 3.)  

Just awaiting impact. 

THAT'S what you want: (free/forced) EQUITY!

The more plausible possible negative consequence (you're going to say that you didn't know, didn't read the paperwork, and your predatory lender pressured you into it) would be that the lender calls the note due, forcing you to refinance into investment property financing, meaning you'd have to come in with 20%-3.5% = 16.5% during a refinance (25%-3.5% if multi unit). 

If I were going to be cutting potential future buyers out based on type of financing they can use, that could shrink my pool of potential buyers, impact future value and marketability, and I'd want to know now.

No one forces consumers to use an agent and most areas offer discount brokerages (Flat Fees). 

There is a ton of competition and they are forced to pay more.