Maybe the extra 3.65% spread between the two options isn't worth the risk of not being able to hit the extra $50/m.Just taking a quick glance at the Cleveland Heights demographic information by biggest concern is the 8.6% population decline between 2000 and 2014 and the depreciation of real estate in the area.

If it's working I would leave it, but know you may have to replace soon.

Have you ever heard of people who schedule a showIng to purposely leave door unlocked

Here's how:I would have to discount what he wants down to around $10-15kI would buy it subject toI would sell as a lease option for around $390k <- I'm selling on terms so the price is higherI need a nonrefundable option consideration of no less than $20k <- money in my pocket to do what I want withThe payments each month is $2000 They are responsible for maintenance and repairs as a condition of the lease option agreementThey will need to refinance within x amount of years or they lose their option considerationIf they don't buy it, they leave and you do it all over againThat's what I'd do.

My main concern in "affording" the properties and I can only put about 3-5% down on the property. 

I am now leaving the company and am going to roll my 401k into a tradition pre-tax IRA and then a self direct post tax Roth IRA.

With rates going up, my concern would be if they increase more before you rrefinance.

I keep telling myself, "There is a number for each home." but I still have some concern. 

Im fairly new to investing and I had the same concern on a deal im working on now.

You're right that I'm leaving money on the table, but in practice it doesn't matter because there are more of the deals I want to do than I have time to do anyway.