AlabamaAlabama residents enjoy a low cost of living and a thriving economy.

If you're negative and looking at potential deferred maintenance I'd sale it and enjoy the memories. 

Of course, you maximize cash flow after the property is paid off, but the longer you hold a property, the more cash flow you'll enjoy.

Not a single guy with no experience in the field.

The end of the world would be selling this to buy a cheaper asset than needs more work, do this all over again, to make the same money and lose a better asset.Slow down and work on this property and the rents and the maintenance, and also enjoy living there.

@Peter Mckernan This is a great well-rounded perspective, Real estate is one of those fields where no two deals or markets are exactly the same.

Apparently this is an issue that other investors have faced as well, because it requires a bank manager to do a minor workaround with a field entry in the system in order to make it work. 

I'm sure many people on here have spoken about this, but I just wanted to bring this discussion back as it is a part of my job that I enjoy and see benefit to others from it.

Because this is the business we've built together, we enjoy working together, we each have roles that reduce the work load on the group and personally I like that the risk is spread out.

I hope you enjoy small towns that lack diversity.I am sure Dayton has some real estate meetups.