@Gerald Maczuga,The Long Term Capital Gains rates for 2024 include a 0% bracket for "married filing jointly" that caps off at $94,050.  

@Vicente HernandezReal estate agents tend to prefer property management firms that have clear payment plans, fair commission rates, an easy referral system, prompt payments, assistance and tools, and a good standing.

BUT I also know that I probably won’t get such a low interest rate again in a very long time 😅 so I don’t know what to do.

This sounds like it would possibly be a rate and term refinance since your balance will be $203,000.

This will be my first rental property so want some advice.Purchase price - $195KDown payment - $59,176 (25% plus other closing)Annual rental income - $29,424 ($2,452 a month for 4BR)CoC return 10.7%Cap rate - 9.7%; Price to rent ratio - 6.6Cash flow will be over $5k per year after paying taxes and mortgage.

Your tenants will either pay market rates or move in with family. 

We got it for a really good price of $360,000 on a super low interest rate (3%) back in '21.

So, I'll not even be in positive with the interest rate we get these days.

It's the best way to cash flow with current rates and prices.  

Medium to higher prices that cash-flow or break even (at current rates) are probably C/B- class.