Flip or keep it, my first investment property, suggestions 🙏🏻

[Rosario Rolandi]

I purchased a property for$ 105,000 , single home in a B/C neighborhood, 3/ 2 , large lot, it will need at least $ 20,000, ARV $ 145,000. houses like this ones are for sell around 175,000 to $ 180,000 . I pay $ 15,000 down and $ 5000 closing costs, from my 401 K , leaving me with $10000 in my savings, I got to business credit cards for $9000 with 0% apr. the mortgage is $980 inc taxes and Ins. it can rent for $ 1550 . The actual tenants are paying $ 1000 , because they are leaving in a disaster home, they lease will finish in May 31st 2020. Flip it or keep it. ? My first investment property, I'm scared but hopeful and grateful!
please help 🙏🏻