Thanks in advance for your advice/opinions.Purchase: $136,000 - Jan 2021Current Loan Balance: $126,585 30-yr fixed Mortgage (3.875%): $979 PITILTR Monthly Rent: $1595/mo Cash-Flow: $1595 (rent) - $979 (PITI) - $200/mo (CapEx/PM/Repair/Vacancy/Contingency) = $335/moThis leaves me with an approximate RoI: 9% and RoE: 4%Estimated Current Market Price (Dec 2023): $230-240,000Estimated Post-Sale Equity: $ 90,000 - 100,000Key assumptions:- The area the current property is in is not suitable for transition to MTR/STR strategy to boost current cash-flow.- I do not live in the KCMO area and do not have the option to house hack/owner occupy any new purchase.- With current investment property HELOC rates in the 10-15% range, I do not see this as a viable option currently to access my equity position.- My 15 year goal (currently in year 3) is to replace my current income with stable passive real estate cash-flow and retire. 

My crystal ball is telling me short term term boost followed by a longer period of moderate growth. 

@Chanel Pearsonit is POSSIBLE to fix something up and really boost the value as you described, but it's also very difficult. 

Quote from @Marci Stein: Now that you are more established, if you pay on time or even early, you can resurrect your creditI do pay on time, due to (layoff) which caused career transition was why I missed the payments, now and my credit score is boosting.

Moral of this story is to let everyone know REAL ESTATE IS HARD.

Tenants went in at higher rents and then a few months later after paying on time stopped paying and the place was trashed again.Borrowers went running with the tail between their legs and the HML lender got out but did take a small loss on the loan.The moral of that story is no matter how nice you make something in a questionable area you will not have the quality tenant base to treat the property right after the rehab has been completed.

Rather, they will provide demand boosts through down payment assistance or second loan options.

In the short term, I would not be surprised if you to see a boost in value on your 2-4 unit non-rent regulated deals. 

My question is, what happens to my boosts, and looking at my rankings and metrics that are really helpful in VRBO?  

Managing a rental is very much strategy, what improvements can you make that the other condos don't have that can't boost your numbers, does your property have amazing design, 5-star service, guidebooks to the condo and area, plus carefully planned marketing.