Payoff off loan with cashThank you for the adviceJeff If cash flow right now is not your biggest concern, I would refi and at least break even or even little cash flow. 

Probably the same source.

The biggest thing to watch for is job growth.

As we have started marketing in Utah we have used a couple different sources to get our list to market to through cold calling or direct mail. 

@Matt Shields, right now 6700 new units are being built in South Baltimore alone, crime is down this year, and the only reason why Baltimore is losing people is because the biggest voucher program in Baltimore called MBQ is forcing all new voucher holders to rent in opportunity areas, ie towns outside the city in Baltimore County areas with low crime, low unemployment, ie really nice areas where houses sell for 300K. 

Biggest deferred maintenance item is one parking lot needs to be resurfaced. 

The biggest issue I have found is trying to get funding here.

My plan is to use the property as a financing source for another property.

I think your biggest mistake is thinking that any investment is risk free.

The biggest problem I face as an out of state investor is to zero in on the markets and getting the right zip codes.