Hardwood floors in the large living room with a wood burning fireplace and lots of light.

Front deck welcomes you into an open floorplan - New kitchen, spacious dining & inviting living room w wood burning fireplace.

Complete burn-out property.

.* They've been burned in your area (city, county, state) writing landlord policies. 

Although the payments are higher and the fat is slimmer, I have a larger pot of equity to draw from after year one to leverage and get another property via HELOC.

Quote from @Carol Burns: I have a SFR that is not set up for handicap access.   

The 15 year option is likely be the most profitable in the long run but you run the risk of crashing and burning if you can't make up the negative cash flow at some point in the next 12 years.

She fills me in on some things that have happened. when they moved in they smelled a burning smell in both bathrooms and she said she was a licensed contractor so she checked it out. long story short... when we were prepping the place the bad prop. manager suggested to re wire the bathrooms switches and her guy did it.

I just got severely burned on my last acquisition from the seller being very sneaky.  

I would effectively be loosing 10k since that is the principal I have paid down so far on my current loan after 1.8 years + the 10k down payment at closing.Or should I just plan to sell it in a couple years and use the profit for a fat down payment on my next house and also avoid taxes from selling my owner occupied home?