5.5% at those terms sound like a win all around. 

You are not going to win against AirBnB.

Over the past week, the 10-year Treasury notched its longest streak of daily increases in yields since 2017.

I only ran into that one in I don't know 300 plus homes I bought at auction.. but it stung no doubt for you to be 1 for 1 is pretty darn rare.and that could be the reason you were the only bidder maybe like me the others knew it had deferral and let you win the bid. 

We typically obtain most of our properties at auction and leave enough “juice” to make it a win win for everyone. 

Not wanting to boot out a scared elderly person from her house and thinking win - win here, isn't there a way to structure this deal that I take ownership of the house, she stays in it and pays rent until the fear is no longer, and when she is ready she moves out and I then sell my house and move in?

Leasing commercial space is not necessary to win in the real estate investing business. 

@Andrew Postell hmm well dont have any idea on that, what could be consider a win rate for commercial loan then and typical down payments?

Win win win.

Sounds like you have a solid plan...slow and steady wins the race.