Which city in the United States has appreciated the most over the past 10 years?

You don't need a mortgage broker, just a reputable, competent direct lender that will ask the important questions upfront to properly screen your deal.

I was studying the market and my rent will be just enough to cover the mortgage and HOA fee now I might to pay out of pocket for insurance but don't want to sell it yet because the area is growing and might have good appreciation in the years that follow.

where can we find places-websites to analyze areas that will provide positive cash flow?

It's a fabulous small town in Southern MN just off Interstate 90. 

Its not tricky, it just takes discipline to save $.

Don't just read the lease!

It's just wild that you came out of pocket ONLY $14k! 

I am in the Akron/ Cleveland Ohio area. 

I provide my application and screening criteria on my website so applicants can look for themselves before spending any money.