Because I have mortgage debt I pay monthly, plus maintenance (primary residence is a co-op), but I have no consumer debt.

I admit that some of the comments here would have provided some great enhancements to what I wrote.  

With that being said, I think you should decide how involved you want to be involved in real estate investing (Rehabbing a old distressed property is definitely more time consuming than purchasing new construction property, especially if you have no experience rehabbing houses)  I think the 3 biggest factors for you should be.1.

It is a lousy rental in my opinion.When it is fixed up, how much could it sell for to an end consumer?

Although it may be a lot of work being 100% owner, a lot of time consuming tasks can be outsourced pretty in expensively.

Finding the right fit tenant is harder in commercial, but the leases are longer term, and renewal more sticky than in residential.In general I find my commercial properties to be very time consuming during vacancies, but otherwise easy to systematize manage once tenants are in place and things are normalized. 

You can probably report it to your state's attorney general or the Department of Consumer Protection (DCP) for your state

Also HUD loans can be very tone consuming and take a long time. 

, social distance, and get under the hood…Consumer Price Index.

So, all the consumer protections built into residential transactions don't apply.