In older times a strategy might be to rent to older, more "life experienced" tenants. 

They have utilized a number of financing approaches including: Minnesota Housing Finance Agency Tax Credits, Conventional, Grants through Duluth Economic Development Authority (DEDA), Duluth Housing & Redevelopment Authority (HRA) Assistance.Sharon Brown with Duluth's Life Safety office is a great resource as well when dealing with blighted properties.

If the software is not simplifying your life or making you more accurate, you shouldn't use it.

I’m also at a life stage, where I’d prefer to just live with my partner and not rent out individual rooms in my unit.When I move out, the rental income would sometimes just barely cover the mortgage and taxes (usually not even insurance).

Do you want to live here 1-2 years and then buy something else, or is this your near term home until something in your life changes (kids, job)?

A good arborist will tell you the health of the tree and give a recommendation. 

Have a specific situation in my life.

I feel like this question has probably been asked/answered on here but I can't for the life of me figure out how to search the forums so I guess I'll just make a post myself!

Plus, having an income-generating property while living mortgage-free in Sacramento could offer the best of both worlds.But hey, I get it-sometimes a debt-free life with no tenant hassles is hard to pass up.

It's a very desirable area, and it's a good property, but I think a few quality of life things are holding it back.