In decades past, carriers were allowing people to carrier lower limits of insurance on their properties. 

Here are the key points:- First-time homebuyer: You qualify if you (and your spouse, if applicable) haven’t owned a home in the past two years.- Lifetime limit: The $10,000 is a lifetime limit, meaning you can only use it once for this purpose.- Taxes: While the 10% penalty is waived, the withdrawn amount will still be subject to regular income taxes.This can be a useful way to access funds for a home purchase, but keep in mind the tax implications and the potential impact on your retirement savings.

I'd personally sell the townhouse (doesn't sound like it cashflows or would make a good rental property) - you may have no capital gains if you have lived in it the past 2 out of 5 years - I believe the first 250k for single filers is exempt from taxes and the first 500k for married couples.

The PM has also not sent them the rent money from the past 3 months.

Pittsburgh ranks #5 on Marcus & Millichap’s list of high-yield multifamily markets.Pittsburgh’s unemployment rate (4.7%) has dropped by 17.5% over the past 5 years.Pittsburgh is experiencing a demographic shift.

Keep in mind, adding "cute", and upgrading things won't increase your rent or ARV past what the market in that area will tell you is the max. 

Quote from @JD Martin: Quote from @Benjamin Weinhart: Speaking to your item #6, I was actually told by the staff here over the phone maybe 5-6 months ago that DMing someone is fine so long as it's not a copy/paste ad and is specific to the individual.

I am in one that has exceeded 10% annual return for the past three years.  

My only complaints are these1) The upfront 30 min meetings you get once a month are not enough.

We haven't bought anything in the past couple of years locally because the value proposition compared to what we already own just isn't there.