Then I have a credit card to charge supplies and any utilities which allow credit card payments.

Your property manager should be supplying monthly reports and year end PnL reports that you give directly to your CPA. 

Is the option government supplied insurance where taxes supplement the insurance?  

For one is that an appropriate price point for the supply/demand curve intersection?

We ended up having to dig up parts of the front yard to replace the main water line that connected to the city water supply to the home.

Where there’s smoke, there’s fire.

As Mitch pointed to, on one hand, STRs are housing supply locally and will likely get looked at. 

It's a combo of low housing supply, higher interest rates vs. seller expectation, and a poor economic outlook for the country.As an investor with a few rentals it's like like the parking brake is stuck on.

Class D is mostly rentals (another tip to look at owner occupied stats and/or if the neighborhood is identified for revitalization), the tenants are outside smoking, they are talking to neighbors and solicitors, it is a completely different vibe that is pretty noticeable just driving through.

Licensed with permits ~$4,000.Full replacement of all water supply lines and shutoffs from the interior water meter with PEX and an open basement.  1 kitchen 1 bath 1 laundry.