That's what's normal farther south. https://images.squarespace-cdn.com/content/58f01a4bb3db2bed6e841cab/1493138201241-ALFKKRQCDG3CZ7Q2BTID/apartment-building-steel-concrete-7.jpg?

Otherwise, if you're not comfortable with it, I'd say keep looking for a renter with a more "normal" amount of debt. 

I will also not have to do any renovations etc as I would normally after purchasing a property.

A normal purchase will allow you an option period to have a full inspection which includes looking behind the electrical panel , under the home, in the attic etc. from there if your inspector sees something of concern they will include that on your report and from there you can get second opinions from a plumber, electrician etc. this is always my biggest concern for first time investors who buy from wholesalers - no inspection, all cash, many times inaccurate repair and ARV figures and no one in your corner.

I’m not one who normally fears catching covid but I would like to minimize my risk this particular week with vacation coming up next week and being around my 3 month old and 3yr old more.

I can assure you that I don't normally clog toilets, and I don't use much TP.

The interest on these lanes will normally be 4.5% or more interest rate

I think it would be a gamble to assume 100% occupancy 365 days a year on your underwriting model and assumptions.

It is normal for the upstairs to be hotter.

HiIs it normal for a buyer agent ask to sign “Exclusive buyer agency agreement “?