Aim for 720+ for best rates, I suggest start building relationships with your local lenders.

Would suggest to consult a tax pro for this!

And if you bought this property several years ago, then you probably already have a killer rate, so suggestions to refinance seem silly as you probably already have the lowest rate....especially if your refinance was completed as you were an owner occupant, and not categorized as an investor to a Lender.In terms of tax implications, again, it depends on what your ultimate goal is, but if you placed this into a trust, or even a beneficiary deed, it would pass through to a beneficiary who would not have to pay capital gains on it in order to sell it. 

Narrowing down the options will probably come down to comps and city/neighborhood specifics; things like permits.Any good suggestions for finding out how long permits are taking in certain areas?

open to any suggestions, insights or past experiences. 

thanks everyone @Edgar DuarteI would suggest you research “return on equity”.  

I fell off the wagon when I saw a bullet point that indicated all second story apartments have an elevator and their suggestion that it was possible to get 1000% Plus Potential Cash-on-Cash return in the 1st Year.Where has SCDC built?

As I explore the neighborhoods in NW Philly, any suggestions on reputable agents with experience in those areas? 

I think the best suggestion in this thread is actually from @Josh Young where @Shiloh Lundahl should seek debt partners.

I paid tax on it and mowed it about every 5 years so maybe put 10k into over the years.. deductive reasoning suggested city does not build and full blown interchange to go to nowhere.