If this is financing for a stabilized property rate carries more importance but rate combined with origination fees, pre-payment penalty and term in which you intend on keeping the loan in place are all considerations which together should help in deciding the best financing option.

The listing for my property is here: https://www.zillow.com/homedetails/682-Washington-Blvd-Baltimore-MD-21230/36535551_zpid/I currently have the house listed for $2,800 after decreasing the rent multiple times over the course of 5 months.

If 2022 or later the values have dropped due to higher cap and interest rates so if you have gotten any appreciation at least you haven’t lost money. 

I am locked into a 30-year loan with a 2.8% interest rate, so refinancing doesn't make sense given the current high-interest rates.

., interest rate, payment structure, balloon payment timeline, etc.)

I don't know your specific market all that well but have you done some analysis on your ADR during the high season X your high season occupancy rate and determined whether taking lower priced slow season bookings vs letting your property stay vacant during the winter averages out in your favor?

Dynamic pricing tools like PriceLabs or Beyond Pricing can help boost your revenue by adjusting rates based on demand.

I even had preventative maintenance set up, but the root growth rate was unpredictable.

Hi, i was wondering if anyone invested in new london and what the numbers are thererent for 1,2,3, bedrooms and what do you use for vacancy rate?

The success rate will hinge largely on location, type of property, and cost of property.