This isn't including other expenses I know but I was planning to self manage the property and hope rates continue to go down so I could refi in the future and gain more margin in rental income.After further analysis and speaking with a friend thats a real estate agent I may want to shift my original plan and sell it.

Simon, Here in FL its much easier for us because we know a few things:1) The U.S. is severely under supplied in housing units. 2) Tons of people are moving to Florida everyday which makes point #1 even more drastic for us. 3) Interest rates are preventing people from selling their homes, because then they would need to re-trade for a higher interest rate buying a new home, which is creating even more housing demand.So with this knowledge, now we move to more market specific data, which is what I talk about in the original post.If a market shows decent growth and demand, then it all boils down to the numbers.Its important not to forget about any costs though.

Originally I was just going to flip this property,  now I really want to keep it as a rental. 

Have participated (currently still involved in them) in two real estate syndications.I'm originally from San Francisco and ran into that same issue back in 2021.

SECU is easier to qualify for with lower scores, but comes with a 1% origination fee.

You'd be leaving the original home intact and that shouldn't affect the terms of your loan. 

Originally posted by @Nicholas L.

You are correct that you still have the original 50k as depreciation recapture. 

Loan is NOT in our name but in the name of the original borrowers. 

Any guidance would be greatly appreciated as I work toward my investment goals.Here's my original posting: Requesting Investment Strategy Advice for a Real Estate Newbie (biggerpockets.com)