You're certainly paying for the convenience of the turnkey aspect.To AJ's point, if you have an in with a local construction company or are there on the ground yourselves, then you may get a better return.

Alternatively, you could work with an attorney or real estate agent to help and pay them a flat fee.6.

Rents are much higher if we comply and they can test indoor air quality. our Type of Tenants also prefer and will pay higher rents as a result for a Certified Healthy Home.

Portfolio lenders use more of a DSCR analysis to lending - meaning they are likely to lend to you as long as the investment can pay its debts - more so than a residential lender. 

End of the day, you have to make sure your tenants can afford to live in your property and can pay out of pocket expenses.

Here’s the information$800,000 commercial propertyno down payment 30 year contract at 7% percent fixed.Mortgage is$5,700There’s a small vacant space on the back that you can possibly build a mechanic shop bay on and make some additional income maybe about $2,000 a month.On the front of the property their is a small building that has a restaurant and they pay rent $4,000 a month. 

I have enough savings to pay the down payment (family supporting me in this venture).

Also come up with exit contingencies, if you have a balloon due IN X years and for some reason you can't pay the balloon off at the proper time.

I will advise to buy a home with many rooms, your income will be higher. if one moves out, you have the other tenants paying the rent, which is different if you rent to only one person.

Any advice on if we should use it to pay off our loans against two of our retirement accounts (that we took out for the downpayment on the first STR) in order to lower the monthly bills or if we can/should cash out one or two of our retirement accounts (457 and/or 403b) and pay off the loans?