Property insurance is up to you, but what will you financial situation look like if one of your properties burn to the ground.

Compare your property to similar, nearby rental properties to see if it's typical to include these appliances.

Who else to listen to, as well, because the realtors on the ground who have been in their field for 10+ years will know the market the best.Even if the realtor you meet does not specialize in what type of real estate investment you want to do, you never know where those connections could lead and once you get into the broker circle you are in the circle and can build relationships with other easier.

This past year there has been no issues renting the property, but the old windows definitely seem out of place compared to the rest of the house. 

It's not that western cultural norms are better or anything like that, but there's about a 99.99% chance that your rental property was built from the ground up to assume western cultural norms would be practiced by residents. 

It’s 6200 above ground sq ft and has a full basement as well.

If all goes to plan I'll collect until I'm 85, if my cancer gets worse I'll try to sell the note while I'm above ground to prevent my wife from having to deal with it.That's a long answer to a short question but NO, I don't consider 20% to be too low, depending on conditions.

Personally, I wouldn't own a rental that is negative cash flow, but you need to compare your performance with what a multifamily property can do as well. 

I have read many threads on here about people wanting to start property management companies and I always enjoy reading posts about investors who started their own PM companies from the ground up and had tremendous success or who had a hard time.

There has never been a well on the property that I know of, but with the rocky soil it will cost roughly $5-6k to see if you can get water out of the ground.