They feel rather creepy to me, and I've not actually employed them, so take my advice with a grain of salt.  

If you have free time as mentioned, there are plenty of additional ways to come up with $25k.  

a few comments:-i think property management in indy is typically 10%, but if you already have it lined up at 8%, then great-most people i talk to put vacancy at 10% as well-are you putting any additional money intoimprovements?

Just make sure with your broker you know whether the umbrella is in addition to the underlying limit or its limit is less the underlying limit.  

My credit is great and I have additional w2 income as well.

Being self-employed has always been an issue qualifying, so I will have to start small and work my way up.  

If the appraiser used different comps have your realtor submit any additional comps and include a list of repairs/upgrades that you made to the property.Good luck!

It is being an investor vs. being self employed.

Then on top of that they charge a 7% Commission (that would equate to additional $26,250).

I graduated college just last year and have been really interested in ways to make money other than working for an employer.