Tax implications also differ; selling may incur capital gains tax, while rental income is taxable but offset by deductions.There are several factors to consider when deciding if you should sell or keep your property as a rental. 

What's your main objective that you are trying to achieve?

Would likely be breakeven at BEST - however as Alex said above if you can find one that lets you self rent that could make a difference.$22k net on $190k investment = 11.5% CoCR, which is good but you can achieve higher

Mind you, this was 2019-2021 so definitely a different environment for investing but the area is wonderful.

Don’t underestimate the power of location in real estate investment – it can make all the difference in the success of your investment.

We are getting conflicting opinions from different CPAs. 

There are plenty, and happy to give projections via email, Orlando is different to beach or ski resort markets, and bedroom count in Orlando is king, coupled with a solid HOA.

mainly holdQuote from @Jamie Parker: Quote from @Saab Saab: How do I find wholesalers to make deals  What is the goal you are looking to achieve in that market?

Even in a mediocre market, if you have a great agent and a great PM, you will outperform a great market with a mediocre PM and agent.That's also why I think it makes no sense to invest in 17 different markets: you don't know much about any of them, you have to build a network of people in every market, the law is different in every State and it's physically/economically impossible to visit any. (1-4 units anyway, large commercial is different). 

I don’t have much for savings so one of my main questions is should I pay off my card and some of my car with the money or put it on the 3.5% down payment?