So far I’ve just been doing free posting, no paid marketing.

One insurance claim and it will pay for all the premium you paid in last 10 years most likely.

This tenant has always paid rent so there is no rent I am looking to collect at this time.

Any other fees such as close out fees or payoff demands are paid out on the back end when your loan is refinanced or paid off.

As I've come to terms with this I have taken the last five months to regroup and really think about the future which brings me to my post and what I'd like to get the communities opinion on.I successfully negotiated and acquired one of my duplexes in 2017 that I nearly have paid off (note balance is $54k, property value $230k).

If you decide to sell, you will only have paid a little more in interest over the remaining time that you are in your home.   

Your starting depreciable basis should have been the LOWER of what you paid or the FMV in 2010 when you converted it to a condo. 

But, I was once a paid preparer and prepared or supervised the preparation of tens of thousands of tax returns and I saw some pretty stupid self prepared mistakes.

Property values continue to grow in value, and you can actually live off the rental income.I think it's best to hav all properties paid off by retirement age, since that's when you are going to rely on cash flow for your living expenses.

Quote from @Stacie Telles: Hello all, I inherited a duplex fully paid off.