I’d also put down 3-5% of the loan amount at the time of purchase.

Massive, I am talking MASSIVE positive. 

I have a great credit score and a good amount of money saved.

UPB is different than the payoff amount. 

Quote from @Jokari Trueheart: HI, almost 11 months ago I purchased 3 duplexes and I borrowed the funds from my personal residence which I took out a equity agreement for the down payment on the investment property, great idea at the time because I have 10 years to pay it off and theres no payment requirement, but , I learned more about the consequence that it takes a large chunk of my equity the longer I take to pay it back, so my goal was to refi cash out the investment property to pay it back but I don't think theres enough equity yet to pull the full $106k needed, I only borrowed $88k but with the equity percentage for one year i'm paying about $18k in equity on top of the amount I borrowed if I pay it off in year one, so I need this paid off ASAP before it increases more.

The title agent has now reahced out to their attorney who will reach out to the foreclosure attorney to get a payoff amount and approval for the sale, but this "could take up to 10 days."

For example, Schwab, massive changes including what I consider bonkers high interest rates.

How much is the loan amount you are looking for?

It has the interest rate (7.3%), and then a higher amount for APR (7.8%). 

Right now circulation is very clogged and only a matter of time until a massive BK that will force the fed to lower rates.