I’m a Project Manager for my company so understand the importance of making sure both sides are happy, Transparency is there at all time, I’m upfront with investors and my contractors/subcontractors....

It all depends on area and school we don't usually look much or give importance unless you are looking for appreciation. 

This will help put a face to your name,and make you more credible and important to them because you are serious and took the time to fly out.

On the subject, to me the terms are EXTREMELY important and could make or break a deal.

More importantly your return on equity is horrible.

You may want to ask yourself what is more important: interest rate or a $500k loan.

[By the way, because you're new to BP, you're probably not aware of how important for your investing life finding value-for-money is, every time you buy a property.

Although you can certainly elect to treat a husband-wife partnership as a disregarded entity, you also have the option to file a partnership return in non-community property states like Maryland so that way the income is reported on your K-1 on Schedule E, Part II rather than Schedule E, Part I if this is important to you.

It's important to know depending where you look you may not get much appreciation.

You may miss good deals while waiting, and more importantly, you will miss on making connections and getting a name out there for you as an investor that focuses on X or Y niches.However, you can definitively do something to take advantage of this market (high valuations and easy access to money) and your situation (low LTV and hopefully good cash flowing assets and personal financials) without having to deplete your cash reserves paying down loans or reducing your cash flow by getting me loans.