Admittedly, my properties were mostly in the path of gentrification, so overtime was moving effectively getting rid of my section 8 tenants and going with better qualified, higher rent paying market rate tenants. 

early/prepayment only decreases the income/value of the pkg. 

Comes with a known rate, a known term, a known payment. 

If you have large debt with a high interest rate, I would consider paying that off before getting started investing in real estate. 

If any short term financing, risk adjust upwards another 2% points on the interest rate.3.  

Huge thanks to Bo Stevens from Jean D'arc credit union, for helping me get a solid loan with a 6% interest rate with a super smoothe process.

Further, running a very quick and simple valuation based on $900 rents, 8% vacancy, 25% op exp margin, and a 9% cap rate, I'm coming up with an ARV of around $83k, so I'd pass if I were you unless you can get a much lower purchase price.

@Stephen Fleming your cashflow probably won't be what you think it will be:(Have you factored in the new property taxes at homestead millage rates?

THe lender is a credit union and it is a conventional low rate loan.

Ask around but tbh most rates are going to be broadly similar 2.