things missing in your list (everyone manages differently, so take it with a grain of salt)Vacancy rateTurn overbad debt legal fees (evictions as needed)accounting fees for professional tax prepmaintenanceProperty TaxesSales Tax on PM fees (In NM, this is charged, not sure about where you are)Reserves for replacement CAPEX - furnace, water heaters, ac, roof, parking lot, etc.Admin, software, advertising, etc.Cost segregation study for accelerated depreciation captureAs for your loan. 

If you can hang on into next spring/summer I bet you'll get better rents or be able to sell.How about asking your lender to push a monthly payment to the end of your term for the purpose of fixing the asset?

I've been debating on sticking my piny toe in the Bham water... lol. 

Utility Costs (Water, Gas, Electricity):- Paid monthly by the tenant unless included in rent.

They also held two annual events in the Fall and Spring that drew in over 100,000 tourists each.

for example when changing cabinets, addressing trim, door pulls. hot water tank replacement: place a pan under it.  

Hello Everyone,I am questioning whether installing Water Softeners into my rental unit in Mound MN is worth it.

So poison them if you want, plug up the hole in early spring, and call it good. 

The people elected her twice;  the city floods in a medium rain and boil water notices are frequent due to crumbling infrastructure....but they did find enough money for festive lights for the bridge for the Superbowl.

There were exposed water lines and pipes in the rooms and missing doors.