Some want a turn key super high end neighborhood and are willing to pay a premium for the security and will settle for less profits, others want to go all in and invest in distressed properties in not so great neighborhoods for huge returns and are willing to accept the risk. 

(In the inspection we just received, he found 9X9 asbestos tile flooring under the carpet, gas leaks from the furnace and water heater, leaking around the tub, squirrel infestations, termite trails, and old rotted wood siding among other problems. 

The houses are competitively priced with the market, and have new wood floors and all necessary repairs made.

The siding is wood.

And I agree with @Mike Wood, bed the unit.Being worried about tenants using harsh chemicals made me smile... as many might be happy if their tenant was cleaning at all.

FHA mortgage insurance is in "essence," a Split premium program because its 1.75% Up front (UFMIP) and .80-85% monthly (example).- Single premium MI - This type of MI is a lump sum payment up front in which a borrower can pay with their own cash, negotiated seller closing credit, or through their rate (by raising the rate aka called LPMI or lender paid MI).

I also charge a premium for that unit and significantly increases my cash flow.

I'm a property/casualty insurance agent and many people decide not to buy earthquake insurance because of the premium costs.

Letting that go will only cause more damage to your property every time it rains (wood rot, mold, damage to pain/walls, etc).The windows are a high priority item that you can wait and save up for, hopefully in less than a year.

I'm a beginning investor as well and it's good to know that there are others in my neck of the woods!