How long do you intend to keep the property? 

People who fail to keep good tenants and turn over every year, they lose. 

Keep an eye on this.Wow, this is a big change.

Keep it seperate imo.

If you are living there you can keep the 4% rate.If you are not living there you can rent it out to pay for the property taxes. 

For those just starting out: keep taking consistent action and small steps.

got out of flipping to new construction in our market in columbus ohio. licensed general contractor. when interest rates got high single family existing went down by 30% new builds sold at a 6% increase that year which demonstrated the desire and premium that new construction commands. never looking back. total control, rinse and repeat. we can get permits in 28 days. we can buy land cash in 21 days. we can build in 120 days to 140 days and keep moving. super scalable and easy and no risk. we build the same 2-3 Floorplans 

I have reached out and spoken with the HOA management property manager myself, and just keep getting BS excuses and no sense of urgency on this matter. 

After that, if issue is addressed but ground floor tenants keep complaining - remind them that common noises are expected when living in an apartment. 

Having a hard time keeping insurance on the house though.