It looks like one earns (a fraction of the) rent on the property while owning the tokens to the LLC/property, without the property management hassles from a direct investment.

Everyone deserves things, but nobody wants to earn them. 

If the money is just sitting in your bank account earning less than 1% for the next three years, then go ahead and pay it off.

I have located a property in my desired area.

If you actually want to create a wholesaling business that is worth your time and generates the income you probably desire, you're going to need to put in some cash.

The amount of mediocre AirBnbs that have popped up is definitely something to take notice of and as these properties become more prevalent, the higher end properties will rise to the top of desirable stays.

I understand the desire to avoid obligations, especially with the government’s blessing.  

It's a scenario that just has to be fleshed out according to her desired outcome.

Additionally, as you scale up, you’ll hear references to doing work that is $X / hour and if you can earn more money doing something else, you should pay for a contractor.

If a properties numbers still look good for my desired metrics (good cash flow) after using my conservative numbers, I will verify that all my initial calculations are correct.