For a buy and hold your main objective is finding something in a desirable neighborhood and an area that is up and coming. 

The main objective of cashflow is for you to hold on to the property so you can exit (sell) at the right moment and make better gain via appreciation.  

We are all just giving you objective advice based on the information you presented us. 

Convergence of Private Money and Hard Money Industries: A Comprehensive AnalysisExecutive Summary:The private money and hard money industries, traditionally distinct in their approaches and objectives, have witnessed a remarkable convergence in recent years.

No system is perfect, so don't waste your time chasing after the next shiny object.

It’s changing now and I value lower effort investments.I believe equity build with w2 tax benefits wherever possible is the best objective. 

Risk profile can mean age, family, tax planning, income objectives, or just personal opinion.A)  Purchase all Cash - A benefit is easier to get offer accepted due to surety of close and shorter due diligence period perceived by the seller. 

If that is the agent's only real objection, then consulting an attorney should clear the issue up pretty quickly.

Address the objectives on the front end.Heck, go network at a local SD IRA meeting (Quest, NuView, IRA Services, etc).  

We would need to know your dad’s age and who he inherited the IRA from and what their age and RMD situation was, his own separate tax situation now, his current SS benefits and situation, his goals/investment objectives/risk tolerance, etc.