DSCR is also available and that is 20% down for 2-4 units and that requires No income just need the rents to qualify.Indy has been a hot market lately I just closed on a few 2-4 units just outside of the Carmel area and Indianapolis. 

This scenario doesn't bode well for a 4k, 2 bedroom townhome in a nice location but not the hot spot where the action is walkable.Sell if you can and look for a better opportunity to invest.I have 20 rentable units.......all considerable lower cost than yours and I am finding it harder to keep the rents I have now.  

Yes, so Ohio was hot for the last few years but now it has cooled some. 

he has been running the hot water intentionally to run up my water bill so my tenant dont have hot water to shower. my water bill is now $800 a month.

Charlotte, NC, is a key spot for buying and selling properties, with tools like Zillow, Redfin, and BiggerPockets giving key info on what's hot.

The stove & hot water heater are currently electric. 

LLCs are mostly for legal protection, and this protection is hotly debated. 

33304 has been a hot spot for me lately!

The laundry room is small and just has one wash one dryer and the hot water heater.

From what I've seen Allstate will come in hot for landlord risk but I believe they cap you at 4 policies (locations).