To overcome this, I suggest you resolve the issues the tenant is complaining about if they are reasonable issues to resolve, and then you can explain all the benefits of them using Avail. 

I've realized that embracing all types of Investors and expanding my Network in every way aligns with my Goals and benefits the Investing Community as a whole.

Two other things to note about #401kloans:Possible benefit if the stock market turns south, the money outstanding against your 401k loan is no longer invested into the market! 

and that was owner occ.. todays rates are pretty normal actually. what you can do if you want though is find a really good HML and let them place a loan for you making 10 to 12% while your wait for things to change to a situation that you feel you want to move forward be more net return than buying a rental thats for sure. of course no tax bene's but there really is not that much tax benefit on one rental.. so just some alternatives. 

The benefits of Kissimmee for a newbie is analyzing property potential is very easy - you will have a ton of carbon-copy comps to look at and the online estimators like Airdna can actually be pretty accurate. 

Columbus is a strong option where you can find properties with favorable rent-to-price ratios for cash flow, while also benefiting from business expansion and population growth that drive long-term appreciation. 

Even if you only averaged 2.8% appreciation annually, which if you've had it 20 years I have no clue how that's true given prices have well more than doubled in that time, youre skipping over the fact that you have been benefiting from that appreciation on the ENTIRE house, not just the % you paid for.  

It’s worth considering self managing as a STR for depreciation benefits if the demand is there 

The decisions and actions you make today can lead to incredible long-term benefits, so it's great that you're starting now.A good starting point is connecting with a lender that aligns with your goals.

But then you have the benefits of using it yourself, plus you'll build equity if you choose the right property.