Big thanks for the recommendation on this now my tenant probably played me because I complained about this they moved furniture in and stayed one night. 

Definitely would stay far away from that restaurant!

Just run the various analyses and make sure you're comfortable looking someone in the eye and telling them you believe it is a good deal.

I can't tell you how many times we've gone after a deal, seen someone pay FAR more than we were willing to, and then receive an offering for it with much more aggressive projections that I'd ever be comfortable with. 

My wife and I are in a transition period -- one in which I retired my decade-long business, became a stay-at-home dad for our 2nd child, and am now doing RE investing fulltime (managing my local properties and making good progress on remote-investing in other parts of the country).  

@Scott Morongell to be honest it just seems to be what I think I would be the most comfortable with.

When they tell you that they have an X percent vacancy, it is comforting to know that the number isn't based on 6 properties in one neighborhood, but thousands across multiple states.They provide a service, so you pay them for that service. 

On the flip side if we keep it until the loan matures (8 years) we’ll have a nice nest egg to fall back on assuming the housing market stays in good shape, and it’ll likely continue to appreciate but our cash flow as a percentage of the equity won’t be great.

They are comfortable with the extra bit of side cash so that by the time they retire they will have it paid off and then truly have a good steady income.

The MOST important thing to keep in mind is to plan a budget for 6 months of mailing and stay with that.