Match to your current Life and risk tolerance.Personal- Looking at your background you're a Residential Real Estate agent. 

Perhaps they did the VOE and the income didn't match how they had underwritten the file?

Figure out the returns you’d need in the stock market to match rental property returns and assume I’m no genius. 

You can tweek it up in excel and label your debts appropriately to match what your accountant will put on your schedule e.

They allow you to go at your own pace, mix and match classes (night, day, weekend, etc.), having rolling admissions... 

I don't accept last month's rent and this is one of the reasons.In the future, put language in your lease renewal that any rent increase will require an increase to their last month's rent to match the new rent rate.

And even the best "color matches" are rarely good enough to be unnoticeable. 

It's typically going to match the cost of the 3.5-5% down payment so just be mentally prepared for that.

I am embarking on Wholesale RE searching for homes that have potential and investors to match them with.

Quick back of the napkin math with very limited details tells me your extra payments on the points plus higher rate and PMI will match your initial extra 12% downpayment 25% vs 10%+3 points) in about 7 years.