It's tough to give a definitive answer without knowing your specific investment goals (cash flow, appreciation, etc.) and preferred strategies (BRRRR, wholesaling, etc.).However, since I'm a Cleveland native and active in the real estate market here, I can offer some insights on why Cleveland could be a good fit:Affordability: Compared to many other major metros, Cleveland offers a relatively low barrier to entry.

When loans were called, was it due to specific triggers like delinquencies, insurance lapses, or low-interest rate portfolio loans held by smaller banks?

I appreciate you asking this question, as there is absolutely room for growth in providing for our veterans.  

I have lumber liquidators, home Depot, Lowe's, and who knows what else near me (central CT).

You borrow money for lower interest rate (say 7%) and then lend it out to someone with higher interest rate (12%) = arbitraging 5%This is absolutely genious! 

Looking for peoples opinions if the quoted costs are fair to take off the security deposit.TYIA You are absolutely within your rights to deduct all that from the security deposit.

The current status of the market is low end rentals land lords that let the houses look like crap. 

You’re in a great position with a property that’s appreciated significantly, a low-interest mortgage, and clear goals to boost cash flow and transition into full-time investing.

One of my units MAY be in an area that is going down hill, but I could absolutely be wrong.

If it discharges 5 foot from the building and there is a low spot running back to the building, then it is going down hill back to the building.