I believe that any losses you have in the stock market could offset rental income.On the other hand, the better solution is to not have any net rental income. 

Will reach out next week

Have some income coming in but not from a job.  

Any reason why we wouldn't just go that route and not need any renovation work?

Purchase price: $210,000 Cash invested: $6,300 Townhome that I bought to live in for the first year with 3% down, then rented it out after the first year.

@Rene Brodowsky appraisers, like most workers, will take the path of least resistance if allowed.Appears they are using an AI system to valuate your home.As suggested already, you may want to request an actual appraisal, which you will have to pay for, and send your own comparables to Huntington Bank to try to guide the appraiser.Otherwise, you may need to try a different lender.

This would be like thinking pizza.com has the best pizza.

Price/Earning ratios make it not worth investing.

Let me tell you how Waco has become Texas' new hottest market to invest in and why you should consider investing in this market. 

Not sure if you were looking for a long-term hold on a two family, but it seems that was not playing out favorably for you.