Buy a nice small building (4unit) or keep buying low priced home?

[Connor Eichman]

I am 23 from Philadelphia and I have two small 3 bedroom row homes. 1st I bought for 40k and it gets 1100 a month, other was 22k and gets 875 a month. Cash flow is good but refinancing these is expensive and a poor. ( 31k on a 75% refinance of the 40k property, plus 5k worth of closing leaves me with 26k out on it) Better to stay on this path or purchase a 4 unit quadplex under the FHA 203k. I will qualify for a loan next year. ( will have 2 years of income under my belt to work with) Really need some advice!