First thing to understand, St Cloud area has a significant % point of rental units too ownership far above state average, with that knowledge at hand know regulations were far more relaxed for some time, and than a few persons came into the market and took advantage of that freedom and in short created a situation that forced the city into action, it's just that simple.

You can see if their coaching/personality style speaks to you. 

If you property manager still says No maybe because they dont’ actually know the process they are relying on another person in their team to help them out.  

The bottom line is you shouldn't use any of these strategies without proper education or hiring a competent person to guide you AND you should have the ability to reposition the debt IF the sellers lender calls the loan due.

But it sounds like you personally own both properties. 

YatesHey Yates, I personally put all of my investment properties under LLCs.

@Dona CardenasI personally think actually owning physical real estate is the best way to go especially using leverage.  

I just sold a 1981 double wide that the tenant had totally trashed to the 3rd person that looked at it for 10K, and I think I could have gotten 15K. 

Personally, I like the lower monthly payment with a 30 and then have extra expendable cash flow on top.  

I have a GC that has built multiple houses for me personally to live in.