You'd never even know what it had been today, and it's been one of my better rentals besides. 

Many find a better route is building a fortress of insurance coverage. 

rate is usually better and U wont pay as much interest..

Selling some property to pay down high-interest debt is good, but also consider looking into ways to refinance or leverage your existing assets for better cash flow.

It simply is a metric to measure that your odds of getting a return are better.

Who do you recommend or do you have any better suggestions?

Asking in the correct forum will get a better response.Need a spreadsheet or form?

The lower the median age for the area, the better 1/1 will be.

But better safe than sorry, becuase people will pass on your place and you will never know the reason.....Like @Michael Baum said, there are many option like the mini stackables nowadays....

Then you can consider researching and finding something that meets your needs better.