Cause, you know, that's how us broke people do it.  

Is it a lost cause and I'm just supposed to fold and cut my losses??

While we knew that all hard money lenders are not created equal, and some could be good….we knew from our own experience that using hard money could cause a deal to fall apart by making the process less seamless than we needed it to be.What ensued was a month-long nightmare that tested our patience and threatened to derail everything we had worked for.The lender moved at a snail’s pace, bogging us down with endless requests for additional walkthroughs, appraisals, and paperwork.

I can tell you there is a large delta in those numbers which is causing occupancy to dip unnecessarily.

The issue is I need a little capital due to another renovation but I can’t cash out refi the lender cause my credit took a dip just below 660.

I haven't call him back cause i don't think he will go for it. 

This can cause us to pay MORE tax then nessessary. 

I previously had a self directed IRA with Entrust and had numerous issues mostly related to the time it takes then to process requests, which can potentially cause you to lose out on deals. 

. $140/month vacancy reserve (5%)Rental Income: $2800/monthCash Flow: -$134/moTownhouse:Note: Looking at low price units on the market for < 7 days to possibly get more value / minimize mortgage paymentsPurchase Price: $450kMortgage Payment: $2150/monthProperty Taxes: $1900/yr or $159/moUtilities: $300/monthProperty Insurance: $125/monthMaintenance (5% rent) + Capex + Vacancy (5% rent) Reserve: $500/moRental Income: $3000/monthCash Flow: -$232.64Detached Home - Single UnitPurchase Price: $600kMortgage Payment: $3193Even if I can get $3300-3400/month for a 3-4BR home purchased at $600k, maintenance and reserves will cause it to be negative cash flowDetached Home - Two UnitsPurchase Price: $700kMortgage Payment: $3831Property Taxes: $3500/yr or $292/moUtilities: $300Property Insurance: $125/moMaintenance (5% rent) + Capex + Vacancy (5% rent) Reserve: $860/moCash Flow: -$608.57Are any of my numbers way off?

If all you have is 2 properties, so less than 4 rented units, why don't you qualify for the exemptions from fair housing, especially if the property that caused all the complaints is the same one you actually live in?