We like the KISS method (keep it simple & for the stupid)

If not, is the loan assumable?

Even though I know more about this town than just about any other, the numbers don't meet up for me right now.

Rents are anticipated to be 2250/mo so it fits nicely with the 1% rule. 

Detachment from the area.

I get the 'professional silence', and have been told imperiously by other landlords that I should just not respond and ignore rambling, and responses definitely encourage more.However I find I have tenants that demand attention, if I don't answer they continue to get louder and angrier, and begin trying to come up with ways to force me to answer and get involved.  

I'm not making that up, that's the qualification standard that's applied.

Plus we are extremely close so we take care of each other, no questions asked, when tough times come.

The west coast, especially Seattle area is very expensive.

While this approach works in the early stages, there comes a time when consolidating all your properties' insurance into a single, scheduled program might be more beneficial.