Maybe selling is an idea worth considering if the house is a Mona Lisa and kind of beyond the general reality of typical tenant's maintenance obligation and ability, and they aren't paying for the additional quality.If you really want to keep the home, you may find a way to be very happy about it with the right team, whether it be property management, electricians, contractors, or tenants.

Cash flow is helpful because it ensures the property pays for itself and is a safe investment.

As I'm looking over their explanation I notice that I am being charged 8% of the rent received from CMHA. 8% from the rent the tenant pays and another 8% of the water bill which the tenant pays. 

Pay Down the Loan Faster:I’m considering applying $40,000 annually to the loan principal.

If they are low balls then usually you are asking someone to work for free as the fix and flip landscape is competitive for a low pay out.

Homebuyers will always pay more than a REIT type investor.  

However, if you feel you need their input earlier, you could offer to pay for their visit to walk the property with you pre-inspection.

Its a small investment to try both as one deal pays for them for a good amount of time

Rates are high, usually in the high 8s or low 9s, and you may pay 2-4 points on the loan. 

Now, you need to figure out how to find deals and pay for them.