I would suggest just visiting another lender.

It's a way to review every detail good and bad without having to revisit the property.If you time your Dayton visit right, you can check out the local Meetup, it's on 6/14. https://www.biggerpockets.com/...It's a great place to speak with other investors, and even find some contractors. 

You're likely ahead on capital gains as owner occupied goes, but the actual breakdown in terms of % you need to be clear. 

Visit the properties if at all possible, or pay boots on the ground to send pictures and descriptions. 

There has been only one time where my physically visiting the place added much value. 

If there is any equity at all above the first, or if it makes sense to take it back, rehab yourself, and make Some spread, then go ahead and foreclose.

Middle class folks have brimming 401ks, a bunch of equity in the primary residence (and growing) and maybe some wage growth ahead as labor markets continue to tighten. 

Thank you everyone really appreciate it been working hard and trying my best to gain as much knowledge as I can so that I am well prepared for what's ahead.

@Mike JeskiI think you are on the right track.You clearly understand the importance of having a network especially when investing in out of area.My suggestion would be to identify your top two or three markets.Plan to spend two or three days visiting each market - meet with brokers, property managers, contractors, talk to the “locals” you meet at bars restaurants hotel parks out and about town.

At the end of the day, we have an email from the city showing that we're grandfathered in and STR is allowed so I think we've got ourselves covered.I suppose I'll give our lender and the insurance company a heads up to avoid any speed bumps later down the line.Cheers!