I typically recommend that community for people that plan to use it personally and can justify the higher HOA costs and membership fees.

Your rates will be higher wih no experience3.

A couple options… 1) Coast as is until March for better selling season, more buyers, higher price. 2) Raise the rent at least half way to market.

None of these originators are allowed to assess you as a higher risk because you paid off a mortgage early. 

And therefore competition among tenants can create significant challenges, like...Businesses may struggle to establish a unique presence and loyal customer base, and a lack of profitability due to nearby competition will likely lead to higher tenant turnover.

Add some escalator, such as 3%, for example, to account for potentially higher costs after closing.  

You’ll be able to access more equity in your primary vs a rental property, and the rate will be higher.

The higher rent growth market will always surpass a market with better initial cash flow but lower rent growth given enough time.

The 2025 Philadelphia assessment hit really hard unfortunately the values that they assign him any properties are pretty accurate of what they're worth in fact, even a little bit lower sadly though, that makes your property taxes a lot higher and gives you a large jump from 2024.

Or rental demand could be poor leading to higher than norm vacancies.