Unless rates are finally cut and prices rice, then maybe it’s a six figure mistake. 

Admittedly, finding direct comparables has been challenging due to the unique nature of our family's home, but these figures give us a good starting point.I've taken the proactive step of having a property manager conduct an inspection, and preliminary feedback suggests that the renovations required might be relatively minor, pending the final review from the contractor.

If you had a car with a loan and sold it to someone but your name was still the one who owed the money and they are driving around in the car would you be ok with that - and oh by the way your chances of getting financing for a new one are limited..Seller financing is legal but rare.

And their idea of unlimited free "virtual" accounts means I could finally have a unique bank account for each property, plus easily manage security deposits in their own dedicated accounts.

FHA loan!

VA loan, second half since I still had entitlement.

They contributed $125,000 cash as the down payment (25% of purchase price) but my wife and I are the only individuals on the mortgage loan.  

Conventional Loan How did you add value to the deal?

I used a VA loan to fund this deal.

Well if you live in a massive apartment building the debt that underwrites that building is likely a commercial loan wrapped into a security instrument.