I think the long-term plan for this home is either to sell it later on or keep it as a rental as this isn't our forever home. 

With fluctuating interest rates, tighter lending criteria, and increased competition for properties, securing the right financing has become a key factor in closing deals and maximizing ROI.Are you exploring creative options like BRRRR, partnerships, or seller financing?

By the time you factor in insurance and any cap ex....it's already a loser...even if you aren't carrying a mortgage.  

It's a great property with tons of potential but it's missing the IT factor.

Meaning truly intrinsic(2x DSCR not 1x DSCR), then roll the dice and lever the minimum you need to get the deal done and understand to put more to reserves than anything else for the first 3-5 years from your current and new property.The risk:reward ratio is very low when you factor in a lack of liquidity.

Depending how much of the neighborhood is a hot zone for renting rather buying, and which Property type is performing better than the other (meaning 1bd 1ba 2 floor renting out faster and much more consistently than a 2bd 1ba 1 floor), you can make your choice of those factors as well as other ones that impact your decision for what you wanna do with your investment.

My tenants complain that it takes forever for the payment to be withdrawn from their account.

When it comes to finding a good insurance agent, I think that a huge factor is responsiveness. 

Compounding on one another sure that will have a big impact on the market but there are a lot of factors at play.

And while short-term rentals are the big draw here, there’s also growing demand for mid-term rentals from snowbirds and traveling professionals, as well as long-term housing for the increasing number of permanent residents.Yes, higher interest rates are a factor, but the strong rental demand in the Panhandle often helps offset those costs.