Every day was a gamble, maybe it would be fine, maybe I'd get shot, maybe I'd throw someone out a 3rd story window, who-knew, every day was an adventure. 

Thats not something Im willing to gamble with.I really do appreciate the input!

However, I am thinking the gamble may be worth it.

Speculation is basically gambling that you chose correctly.

Everyone advised me back then to lock in the low rate for 30 years but I didn't expect to stay in that place for 30 years so I took the gamble.

Lending and interest rates are an uncontrollable factor (for most part). 

This might not provide 40%-50% annual returns that some might try and promise you but the risk-adjusted returns you could achieve by doing this would far exceed the gamble of betting on one 1 or 2 fix-and-flips or making a couple hard money loans.

You could gamble and aim higher like A/B+ class but those properties are at least $170-200K asking in Indianapolis.

@Giancarlo Paone  Visit @Pat Jackson in Reno...put it all on RED (see the movie Hangover before you go so you get some good ideas other than just gambling while in NV)!

Most folks on here would probably advise you to sell and put your money in a better investment vehicle where you’re not “gambling” on appreciation and rent increases while losing money in the meantime.