It sounds like you handled everything correctly in terms of repairs, and I suspect you will enjoy many future years of healthy cash flow.If it's any consolation, I bought a fourplex that ate my lunch for the first couple of years (repairs, bad tenants, you name it.) 

I suspect eventually it could happen but I would suspect it is probably decades from happening.  

I suspect most people could not accurately get within a couple hundred feet of 500 feet if asked.

Anything less is suspect. 

I suspect a duplex in this zip code could appraise for $825k, but I have very little data to support that.

I suspect if you had used the BP calculator, you would have realized this was unlikely to be a good rental. 

If you are totally new to investing in the Cleveland market (which I suspect you very much are), stick to better areas for your first investment.

Less than 20% will require PMI but if you refinance it while owner occupied, I do not know if you will get higher rates assuming you can find a refinance loan at higher than 80% LTV (that could be challenging to find at best rates).I suspect your unit is likely not to be bad enough to achieve a good return on a rehab value add. 

Based on your fear of “age” expenses I suspect it doesn’t cash flow much.It is very difficult to say... does it cash flow $25 or $1200?

At this rate, I suspect that the property would only cash flow around $100/month after accounting for mortgage, HOA, property management, cap-ex, repairs, vacancy, taxes and insurance.