However I ran a few quotes on Obie Insurance (geared specifically towards landlords) and for only the 4 houses I checked, I am saving 1,5k a year if I switch.

Detroit seems like a fantastic market with all the ongoing development and investment.

In my market there are 2 reasons that keeping is smart.  1) the historical long term appreciation is on going, going back to when records started tracking the appreciation 2) the property tax is near fixed cost.  

A strong partnership benefits both parties.Happy vendors are more likely to prioritize your jobs and provide high-quality service, benefiting both tenants and owners.Balancing Stakeholder NeedsBalancing these relationships requires a strategic approach:1.Standardized Processes: Implement systems that ensure consistency and efficiency in addressing maintenance requests, approvals, and payments.2.Transparency: Use technology, like owner and tenant portals, to provide real-time updates and visibility into ongoing issues.3.Regular Communication: Maintain open lines of communication with all stakeholders.

Quote from @Bruce Woodruff: Well, no one else has mentioned it, so I will......what about the current LA fires and the ongoing mis-managment of the forest and brush?

Much of my career was focused on REO properties, during which I ran a parallel small business that handled property inspections and performed BPOs for banks.

Real estate offers the potential for both ongoing income (from rents) and long-term value growth, which can diversify an investor’s portfolio beyond traditional instruments.

I ran the numbers on the deal knowing that I would break even on cash flow in the first year with minimal rent increases but significant cash flow in year 6 when the 401k loan is paid off.

Just be sure to account for the upfront costs, ongoing maintenance, and market demand to make sure the numbers work for you.Good luck with your decision, and feel free to share updates as you move forward!

May you deduct ongoing costs from the property like mortgage interest, replacing appliances, property management costs, etc with an SL?