Have you factored in holding costs (insurance, utilities, taxes) and selling costs (commission, tax/deed fees, etc)?

Here are my numbers:$62,500 mortgage $540/month for mortgage payment, taxes, and insurance ($6,480/yr)$675/rent ($7,425/yr at 90% occupancy)$80 cash flowMy overall goal is for retirement so I am happy with covering all expenses and not taking any money out for myself. 

Property 1 cash flows $230/mo or $2,760/yr. per side. if you paid it off it cash flows $450/mo per side (after taxes and insurance) or $5,400/yr.

They are taking offers contingent on viewing property...just found out they pay flood insurance on the property so not sure I want to get in to that....lots to think about!!  

The building is currently insured and occupied so someone is willing to insure it as is. 

Insurance.

Were Groundfloor to go out of business, any uninvested funds on hand are FDIC insured and held in your name, not ours.

Seems late for a mechanic's lien issue, especially if not addressed by title insurance before the sale. 

For government loans, this is typically lower however, you would have to pay a premium up front and carry the insurance for life.

I would keep some cash for emergencies, insurance deductibles, etc.