The property rents for about $4K/month total.

You are complaining after four months of trying in a brand new business that you didn't know anything about?

., Purchase Price: $475,000 ($197.9/sq. ft.).Estimated Market Value: $402,000 ($168/sq. ft.).Financing Terms: 2% interest rate, with a 9-year balloon.Unit B Income: $2,049/month (Section 8 tenant through November 2025).Unit A Income Potential: Similar rent or higher; Section 8 cap for the area is $3,234/month.Monthly Loan Payment (P+I): $1,386.Cash Flow Breakdown (if both units are rented at $2,049/month):Gross Rent: $4,098/month.Vacancy (10%): $410/month.Operating Expenses (37.3%): $1,376/month.Net Cash Flow: $943/month.Key QuestionsWould you be comfortable paying an 18% premium for financing at 2%, especially in a market where current mortgage rates are closer to 7%?

Some properties actually lose money each month but gain value through appreciation.

Just one month of vacancy a year takes away any cashflow you would have. 

Even if you break even, you will lose money every month it sits vacant, when you need repairs, property management, etc.

I'm tempted to go with $7.99/month of "Quicken Business & Personal". 

Rent I could probably collect $2000 a month.

Now, this tenant is saying that they don't remember any agreement and thought they paid month to month and could leave whenever.

There is the Experian Boost that adds monthly utility bills as credit and various apps and facebook groups.