Based on this added info it's a terrible deal. 

If you are in Boston it is not a terrible drive, and also you may be paying around 8-12%. 

The chance of a bank actually calling the loan due is very unlikely if you are current on payments, but it is certainly an option that the bank could exercise and leave you in a terrible position.

The landlord experience hasn't been terrible, but it's very difficult to manage it from Fresno and there is not enough cash flow for a property manager.We are considering selling the property in May when the tenants lease expires and doing a 1031 exchange for one or more properties in the Fresno area.I would love any advice that people have with regards to 1031 exchanges and the finer details.

A few things to keep in mind, short term rentals are allowed in Philadelphia but you have to play by the rules. https://business.phila.gov/limited-lodging-regulations/Compared to most major cities this is is actually not terrible.

Icon is great on the lending side for RE, but their banking products are terrible.

I was figuring 1 house per year isn't a terrible strategy as i am young and easily mobile and starting out can't be as simple as a good first deal.

I know the optics are terrible from where you're at. 

I'm pretty terrible at estimating how much it would cost though so I just said 10%

.* Do not use the instant connect feature (Where they call you with a 'live lead')... it's terrible and unpredictable, and you can't see how much the lead is going to cost before you pick up the phone.Ultimately, I realized we were much better off paying for a good website and SEO/Google adwords than we were with Homeadvisor.