These are all questions whose answers will help you chart the way forward ... there is no one size fits all answer.From an operational perspective it is always pleasant to know that your building envelope is relatively efficient (insulated and air sealed); that building systems (electrical, plumbing, HVAC and communications are up-to-date and dependable) and that you have the ability to put accountability for resource consumption in the hands of the tenants.  

@Dan Miller Kyle Hanson is a good resource for this.  

If anyone has any tips or words of advice, I’m all ears.Thanks!

You'll find a ton of great resources. 

@Marina Draper Thanks for the tip!

The original owner is probably close to even (or at least what was planned) and the tenant is also at what was planned but got to apply some rent to purchase likely waiting for them to have the resources to purchase so the tenant is better off than if they had simply rented. 

I currently work full-time in the medical field for the past 20 years which limits my time.My goal is to move to the Tampa Bay area to be closer to family and get away from winter with REI being full time or supplement my income.

Keep digging, you seem resourceful, I'm sure you'll find a solution.

It is Chase bank so I suspect that they would call it (ie: big corp = not very flexible + rising interest rates providing incentive.)I do not have the resources to refi the loan if it is called. 

Its the way major corporations and banks make investments. that's why IRR in the bay area is so much greater than most areas.. at exit the huge appreciation tips the scales.. at least if you sell in the right cycle.