But with lots of reading, research, the calculators here and using my go to financial principle “something is only worth what someone is willing I to pay” I actually see that things are prices too high.

I say this from the perspective of an investor from the UK, but I think the principle is the same.I would think of this in terms of how to spend £100k / $100k - the actual amount is less important than the idea here.As a very simple example of my thoughts:I could buy a 100k property in cash, which would return 8%pa (net rental income) so $8000pa and grow at a rate of 5%pa so $5000pa (ie appreciate in value).

Until you establish that on-time payment history, objectively speaking, it should be low.

My estimated payments would be $1,364/month which includes principle and tax and insurance at 2%.

Overcoming objections and pushing for a close just don't feel right to me. 

My investment originally was schedule to pay my principle back and first installment of gain within 4 years.

All LL expenses would include PITI (Principle, interest, taxes, and insurance), maintenance/cap expenses, Property Management (allocate for it even if you plan to self manage), vacancy, and miscellaneous. 

That’s when I decided to make life decisions based on my principles .

The only one I would object to is the 45 day use fo the property.

Expenses - Principle, Interest, Taxes, Insurance, HOA fees5.