I think the biggest issue is the fact that the agent didn't disclose this from the beginning and it seems like he was trying to keep it a secret.

Part of the difference apparently is in them keeping the loan insted of selling it.

Keep your payment at no more than 35% of your income and minimize your credit card and auto debt.  

My vision is to keep it a while (it’s paid off) and use the cashflow to help with my kids college.  

I contacted the hoa about fixing roof asap and also other owners nothing been done yet till today they keep giving fake promises. anyway, the tenant seems wanting to take advantage of the situation she called me once qnd said both her son and grandson slip and felt and she called ambulance and they are ok.

Catch is ... it is zoned at RM20-A, which for those of you keeping score at home, is apparently not eligible for a Non owner occupied STR. 

I have been to a couple meetups but want to keep expanding.

Keep in mind these cities become hot because of past data, not future.

Also keep in mind when I started funding investment rentals in 2002 for CA investors 100.00 a month cash flow was the goal and accepted.. and even break even or a little negative was fully acceptable in markets with historic appreciation..

Good luck—keep us posted!