Wanted to still be close to family but maintain a cheaper lifestyle, still have strong appreciation, and much better tenant/landlord laws, taxes, etc. 

Short term my credit score did take a hit, but once the promotional transfers were paid off, my score jumped higher than it was before.These days, the "pure" zero percent transfers don't seem to be around anymore as they typically charge a 3-5% balance transfer fee as part of the promotion, but this is still better than current HELOC rates.

It is not the number of days, think long term.  

Yes, I'm a lender, but we have an arm that's been investing for close to 20 years now.

@Krystal Lozano A good majority of areas still produce day 1 cash flow for multi family in Pittsburgh with a 20-25% down payment.

You state there's a lot of deferred maintenance, then state it is a remarkably well maintained property.

This will avoid a lot of confusion. 

Talk to a competent CPA.BTW, the real value is not derived from saving a management fee. 

Okay, now you can back into that number.1.

I am actually an old fart, semi-retired managing my now small real estate portfolio of 16 doors.