I'm a first time buyer and that played a part two months ago, however, I'm not so sure that is the case now.

Some of these pay-to-play models are oversimplistic garbage. 

Also had a demo call.I had a demo call with Appfolio but they dont do a trial to use the software so I can only go off the demoI know of PropertyWare but I have not played with it.Building and Propertyware both are owned by Real Page from my understanding as well.

Since the gov. is playing a direct role, residents are using this towards housing costs.

The other big factor that plays into Detroit’s big positive cash flow wins are the enormous amounts of renters desperately looking to move into freshly renovated properties.

I have not had a problem since.Lastly, once the moratorium is lifted, if you choose to relieve yourself of this tenant by issuing a 30-day notice to vacate, that decision may result in more problems, and you may find yourself left with all of their unwanted belongings once all is said and done.

Better still would be if I could convert it to a SD Roth IRA (paying taxes on it upon conversion), and then have something like $97,500 more in my Roth IRA account with which I could play in real estate and have no taxes on the gains.I hope this helps!

Yup, i certainly wish I had an office away from the kid's play room ;)

Investment properties under $45,000 are financeable, but there are less lenders willing to play in that space.  

Although the math implies some leverage is better than none, your personal preferences and goals should play a large role in the decision as well.