Good and bad happen in each property and they kind of grow on us. 

Remember you have to allocate value to land and building and just depreciate the building. 

I will need to minimize the amount of money left in the property so I can continue to grow my portfolio.

I invest in commercial in Omaha and it is for sure a growing market.

You have the option of student rentals, retired couples, and growing number of young families.

Also need to remember, most buyers have a home inspection done and then can come back asking for additional money towards repairs etc.  

The estimated mortgage is cheap enough that even if I didn't have any tenants, it wouldn't really be a financial burden, and would actually be only marginally more expensive than renting commercial space for my growing business.

I can't remember how much it was but I came up slightly short in getting to 20%.I wouldn't recommend this action for many/most but if you're at that age and are SURE (get some 2nd opinions and possibly post the numbers here for sanity check) that this is the deal that will kill it - then you may consider this route.good luck

I don't want to bank on appreciation so I am not considering it but I guess technically I should mention that it's a growing city.

Remember that Hoa is is for the rest of your ownership and part of any sale to a future buyer.