Under a normal repayment scenario, Scenario 2, the loan would still be at about $79K.

@John Cooper, it sounds like a normal tenant and a difficult landlord.

Hey Kris, fees will vary in different markets but not by a lot. 10% is pretty normal around here (coastal carolina) & at least for our company, it matters not if they are in-state or out-of-state. 

That way my ad never changes.I have normal pictures and description copied from my Vrbo ad.

This is normal! 

What are your real estate and lifestyle goals over the next 5, 10, and 20 years?

If it is not then this is likely The New normal for your tax bill.

The decision you must make is where do you want to live from a lifestyle perspective.

If things ever return to "normal", I'd fire sale my shiz and leave that arm pit. 

Its just kind of the nature of the beast and investing were over 50% of all homes are rentals its a different lifestyle than what we are used to at least on the west coast were maybe 10% of SFR's are rentals  renters rent apartments.