I bought at a depressed price, so the hope is to cash out the equity, pay back the personal loan, and perhaps have enough left over to use a down payment on a second property. 

Kids get easier every year so maybe wait until they are one or two.I speak as someone whose wife experienced postpartum depression.

You use the word depression.

Interest rates climb (depressing price),  2. 

There are so many people affected with breathing disorders and allergies that majority of tenants LOVE these easy care, easy clean, dust-free floors. 

It's an old home, in a more rural, economically depressed area.

There are areas of OR though that are still quite depressed think Klamath falls..

I was depressed and Lost my drive.

She later called back and now claims its an Emotional supprt cat and she vouletered that she has depression and was prescribed Xanex.

In a market where rents are depressed, the RC will often be significantly higher than the ACV.The problem with ACV is that, on a partial loss, the claim, under an ACV basis, has a deduction for depreciation.You will have to kick in for the deductible and the depreciation.If your Rental is in good shape, updated systems, well maintained, etc. the rates from some companies with onlyRC may be equivalent to others that will only do ACV.I just wrote one in CT that one of our carriers for $400,000 RC was $100 less than the next best rate which was based on $110,000 ACV for the same property.There are many endorsements that are available on the Homeowners policy.