They aren't paying the bank and I'd take that as a strong indicator that at some point in the near future, they'd stop paying you too.All the best!

Focus on areas with low vacancy rates, strong rental appreciation and economic growth (check to see if businesses are coming or leaving and what unemployment looks like). during this phase you should decide what tenant profile you are going to target section 8 (or similar)?

Research Texas markets with affordable prices and strong rental demand.

It will soon be mortgage-free and could become a strong source of income.

Cash Flow & ROI:If cash flow is strong, I might lean toward refinancing.

I've seen investors thrive by pairing strong project vision with creative financing solutions.

In general rental rates are strong and property taxes tend to be very low.

You got to have a strong stomach to do that kind of investing. 

Cincinnati is known for their low overall sale prices and strong rent yield which will bring on cash flow.

The Midwest for example offers a great opportunity for investors due to its affordable housing market and strong rental demand.