Good luck!

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.

Good appreciation play.

This can be good because your realtor will be using them as a resource to help you plan your 1031.

If it is good enough for my local building authority to get permitted, it is good enough for me.In both of these cases, it was the presence or absence of the all mighty built in closet that allowed me to execute these real estate maneuvers. 

It's good to hear from you again.

But you should have a good idea of when that will come due and if you can finance it.

Also, focus on 2 years of job/income stability.Class D Properties:Cashflow vs Appreciation: Typically, all cashflow with little, maybe even negative, relative rent & value appreciationVacancy Est: 20%+ should be used to cover nonpayment, evictions & damages.Tenant Pool: majority will have FICO scores under 560 (almost 30% probability of default), little to no good tradelines, lots of collections & chargeoffs, recent evictions.

you borrow a % typically 60%, pay back interest only with a ballon, 13, 14% plus 2- 4 points, Good luck 

Do you have a good eviction attorney?