The work together with appreciation suggest that I will now be somewhere between 20 to 25% equity.

If you plan to have it for more than 4 years I would suggest to do a cash out refinance because you will save in interest rate. 

Typically a few types of PMs out thereThe individual agent, little to no staffThe PM company that's a set it and forget it, glorified rent collectorThe PM company that's a true partnerI would on top of the suggestions abovesearch for a PM that owns their own portfolio tooThey treat your asset like they treat their own portfolio- There should be a full staff and readily available to answer the phone1.

I’m looking for some advice or suggestions . 

I would suggest going to independent landlords and staying away from larger apartment complexes.

You made a very good suggestion to have backup file saved. 

This is a good way to get underwater real fast.This is an unwise suggestion. 

I’d suggest you dig into the numbers, compare it to what a regular sale would give you, and talk to someone who specializes in this type of deal.

However, inventory levels have decreased, with 1,191 homes for sale in December 2024, a 4.3% decline from the previous month, suggesting a tightening market.

I would suggest keep learning and dig deep on the one real estate strategy you selected to pursue.