Memphis has a relatively low cost of living, and that’s reflected in the property prices.

I have changed my rental strategy to Co-Living (rent by the room).

I called and emailed Nomad daily and could not reach a live person, even in an emergency.

Usually living in it for a few years may be enough for it to cash flow positive when you move out.  

Live in one unit and rent out the other three.

Some neighbors also told me that there seems to be more people living in the house (on the lease its supposed to be the lady and her two kids 4 YO and 8 or 9 YO).

Your best route might be to buy a 2 to 4 unit property that you can live in and rent out the additional apartments.

The only exception is for on-site managers, like you'd find living in one unit of an apartment building and managing the building on behalf of the owner.

The port of Puntarenas is lively.

If the property breaks even, or operates in the red currently, it will only operate deeper in the negative (unless you find a strong ROI like creating more bedrooms, convert a non living space to living space, etc) with another loan.