Got into the home with a low down payment , made repairs, rented and refinanced to pay off line and eliminate the PMI.

Once complete, refinance into a low or no seasoning DSCR loan.

Does not appear to be low IQ person to me .

They keep rent low, give gifts and homemade cookies for Christmas, make upgrades whenever the tenant requests,  accept all the late rent excuses, etc.The truth is, your tenant is not your friend.

Same as Isha here...would love to hear how things are going in light of the new market conditions.  

Is there a way I can take on the current mortgage payments (at the low rate) and get a new mortgage to make up the difference between the existing mortgage and the current value?

I will follow the advice here to keep high deductibles and low premium and save the premium for any contingencies later.

Focusing solely on numbers often leads to the purchase of low-quality properties.

That protects you from having to sell to  low.

Fairlawn is a bit more expensive and there's really low inventory in that area but Cuyahoga Falls is also a nicer suburb in Akron that does really good with rentals.