If I sell, I pay off the debt, lose the asset, and have no more monthly income from the property but I would be DEBT FREE, which is very enticing.

Your two biggest risks are underinsurance and liabililty.I had a cabin burn to the ground a few years ago in the Gatlinburg fire. 

My response to the tenant was that expressed concern meant risk was known beforehand and proper steps should've been taken to protect property regardless.

@Jonathan GreeneI agree - I like to offer an alternative option which can be negative and I get plenty of private messages of me being mean, out for people etc.As an example, I am Sorry, but my opinion is if you get 100% financing I think it is ultra high risk especially for someone new to real estate.

Here where I live in TN, I would have no problem having the bottom end at 67 or 68 because the risk of freeze up is minimal (I'm in the mountains).

Some brokerages actually break down the income numbers, scenarios and risk factors.Some brokerage scrape together a CapRate and call it good. 

Please feel free to contact me for additional options and information.

See if you can get a free estimate and pick the brain of the estimator!

Hello Hunt Van Winkle,Banks typically lend with a maximum LTV ratio of 75% for several reasons related to risk management, regulatory requirements, and financial stability.

Feel free to contact me with any more q's.