Many would call that a bad deal; however, you have to look at a) the money I saved on living expenses over those 3 years, b) the equity I've gained through appreciation and pay down on a loan that I've never once had to pay with "my own" money, c) the education I've received because I had the bright idea to rent out some spare bedrooms in my house after college; I wouldn't be here on BP with 2 more properties if I hadn't bought that house, and c) the confidence I gained from becoming a female homeowner and landlord at the age of 25.On paper, that house looks like a bad deal; however, I see it as a savings account for another property that also happens to pay me $65 a month.

Larger banks that have a branch in your market and the market you are in are options, otherwise not a ton of optionsArea - I would recommend B or better areas, especially for an out of state investorPM's - No PM's in the small property range will cover the whole state, so you'll have to get more specific first

This property started as a 3 story SHELL in rough shape on the outskirts of Brewerytown on the 3200 Block of Cecil B.

If you are looking for income replacement, you may want to consider C or B- neighborhoods and don’t look for pride of ownership.

I started looking into refinancing the mortgages on my investment properties- no cash out refinancing given that interest rates are low; my interest rates are b/t 4.75-5.25%. 

@Daniel B.

Apartments B & D click the link to view.

We are looking into SFH buy and holds in the B neighborhoods.

I agree, I use granite/quartz in all my rentals (B class).

@Andrew B.