I passed my NMLS test last year as well so I would be looking to hang my licence somewhere.

I have called the out of state property owner which denies owning the property, and quickly hangs up the phone.

It has a really low mortgage rate that I'd like to hang onto.  

So to me, the refi seems a ways off and probably isn't good justification to hang onto the property. 

It might not hurt to hang some sturdy hooks on the wall for guests to use as well.

They will let you hang to dry. 

Stop hanging out with your deadbeat buddies that spend all day drinking, talking sports, and otherwise wasting away.

So, I think it definately takes more savvy these days, but there is still low hanging fruit in the Carolinas, Georgia and Florida everywhere I look. 

If you can afford to hang on to it, do some value add and be okay with less than ideal cash flow for the first few years, you should still do fine, but most people want that instant cash flow.

I also had non-paying tenants that owed me, HVAC unit needing replacement, large trees hanging over property structure that suddenly died due to beatle infestation and college tuition due all at the same time.