I agree with Brian, you will just have to weigh the options of are you willing to risk a rising interest rate in 7 years or do you want to play it safe and keep the same rate for the life of the loan.

@Ian Kurela, it is so true about the train analogy. 100% agree!

@Mike MadejaI would also agree with what others said here, Lombard is a great area, good quality tenants and nice schools.

I agree with Antoine.

After reading input from people on BP I have come to agree that it is a waste to not have an option to work with 'non-motivated' sellers by listing their property. 

I agree with @Natelya Glover in that the collections are not as important ( only because they do not show up on credit reports any more) but there are ways of checking for that and is still a negative against you.

Pay as agreed and hope they don't recheck employment verification.

Agree you don't need to open a commercial account to do this, just open a regular checking account and credit card, and only use them for the property.

I agree, sell both and reinvest in something better.

She agreed.