There are mixed reviews on whether this is a positive or a negative, but if the other factors have been met, this is another great sign you've found a company dedicated to providing a quality product and resident to manage.Also, even though some of the prices look like there is a premium in price point, you have to find the value in the services being provided: Extensive research in the submarkets in their city, leasing services, value add to the property, and property management.I hope this helps start the convincing process.

Many members are experts in their respective fields related to real estate investing, whether that is real estate brokerage, wholesaling, flipping, buy and hold, lending, self-directed IRA and Solo 401k investing, or tax and legal guidance.There are some pretty cool discounts on various products and services offered as Perks to BP members that you might want to check out: https://www.biggerpockets.com/perks/proIf you haven’t checked it out already, the Bigger Pockets blog features links to their awesome podcast and many great articles: https://www.biggerpockets.com/renewsblog/The site has quite a few tools that can be helpful for new members.

Many members are experts in their respective fields related to real estate investing, whether that is real estate brokerage, wholesaling, flipping, buy and hold, lending, self-directed IRA and Solo 401k investing, or tax and legal guidance.There are some pretty cool discounts on various products and services offered as Perks to BP members that you might want to check out: https://www.biggerpockets.com/perks/proIf you haven’t checked it out already, the Bigger Pockets blog features links to their awesome podcast and many great articles: https://www.biggerpockets.com/renewsblog/The site has quite a few tools that can be helpful for new members.

I am going to contact PenFed and Wells Fargo and search for the best product. 

Is anyone able to lend some insight on these products, such as; what are the terms of occupancy for the borrower? 

In my opinion, it may be more productive to calculate ROI or IRR which would be a more complete picture of your returns, both while holding the rental property and when sold (making some assumptions for realistic year over year appreciation). 

Although the concept isn't that hard:On the sell side, find the motivated sellers.On the buy side, provide a product people want.The execution is what matters.People want it easy: find a house on the MLS, paint it and sell it for HGTV profit. 

A product like LVP/LVT can deal with a limited amount of undulation.

Have to see the details but I'm guessing you purchased the wrong properties or used the wrong lending product. 

Use different pages...it's the same premise as you see with product instructions - one language at a time so that the recipient doesn't have to wade through a lot of blah, blah, blah to get to what they need to know.