Its a substantial rehab of a duplex with some foundation issues.

I'm self employed with a solo 401k, and am fortunately able to contribute a substantial amount of income per year (up to $55k) pre-tax.

I performed many energy efficiency renovations, ensured all units were sub-metered, etc which improved returns, provided a write offs, and added to my basis which can be depreciated.Recently National Grid who is the supplier for gas and electric utilities in the Rhode Island, Massachusetts, New York service areas released information that they would be introducing a substantial rate hike.  

I'm going to agree with Andrew and Dylan, take the 20 year don't stress yourself, if things change and income goes substantially up and rates don't go much higher you can always refinance to a 15 year.  

If its not substantial $100-$200 I usually let it ride and keep things running smoothly for a time.  

Keep in mind the multi house hack model in SoCal for the last several years would have been substantially more profitable than a random far away turnkey.

OR that rents are going to up substantially in the future.I know it is frustrating trying to get into your first deal...but be patient...it is FAR better to sit on the sidelines, waiting, WATCHING, LEARNING than to make a huge mistake, especially on your first deal using a tremendous amount of leverage. 

If the building is older than that many other issues to look at also.The costs to fix those issues could be substantial over 100,000 or more for that size building.If you think area is great get owner finance on the whole mortgage note with little down.

I moved here from Los Angeles in late March of 2017 for a promotion at work; I am making more money and real estate is substantially cheaper here.  

Perhaps pull some comps and see if the price is substantiated.