The two largest challenges were an error on my credit report that delayed the loan application by a week and was a huge pain to fix.

Like you mentioned it makes accounting very easy and the functionality is very user friendly. 

We have the top 3 largest companies in the world making just made headquarters here so still a strong market.  

The largest hassle I had was with turnover, tenants were good with allowing people to see unit they just were messy so it wasn't the most appealing unit they moved out, I ironically found new tenants right after a deep clean.

Whether your premiums increase as a result of this claim is an underwriting function. 

We changed the roofline to add a vaulted ceiling and reframed the interior to add a lot of functionality including a 2nd bathroom, a laundry nook, an HVAC closet, and a hallway.

Also I get better tenants now because the building looks and functions better.  

Sell it now and do a 1031, using the cash as a minimum DP on the largest apartment building you can purchase.$450K should get you a 2M property.Keeping it should not be a consideration based on it's value and minimul return.

As far a cities go, Columbus is 3x's more populous than Cincinnati and 5x's the size of Dayton...it's the 2nd largest city in the Midwest and the center of industry in the state.

It is the largest house on the block but significantly undervalue (worth 97K) according to county records.