Needing some guidance. have an FHA rental that I lose $150/mo on due to giving family a break. Put a little money in Reno too and thought I could refi. With a 699 score and rates ticking up the lender said it is not worth the the $100-150 I would save to put me back even with the mortgage. That would be buying it down with about $6k. I owe 136, valued 185. PMI $60. Rent 950. Mort. 1050. HOA 50.
Question: should I stick it out while raising rent to appropriate amt and continuing to pay down, try refi later with better LTV and credit score+ wait for a good market.
Or...do I sell it and just walk away. and make almost $0, due to it needing about 10k more in work, 10k down pmt assistance loan attached, 6% to agents + capital gains tax. 

I know it’s a bad deal. It was our first house. We bought a new home and had to keep it due to it being underwater at the time because of the crash. Now it actually has equity but a lot of baggage too. What to do Bigger Pockets? I do have extra money to fix it up or pay down principal.