@Drew Sygit Cool thanks I'll look into DSR loans! 

You could tell them to cancel the listing and you will find someone else to list it after a month not 4 months (the market take is subjective too, all dependent on what your house has compared to others, where it is located, the size of it, and so many other factors).

Typically, the STR property tends to be priced at 10x of the annual gross revenue, so let's assume you buy a house for $500k and you can get $50k a year in gross revenue. 

I currently work with investors who are looking to begin their portfolio in turn-key real estate and manage for them on the back end so they can still enjoy their everyday lives while having a resident in place paying down their loans. 

The reason I post this here is because I got totally different answers from two CPAsHere is the story:I bought the house as investment property and run it as STR for the last two years.

Are they free & clear or have loans on them?

We have a great house in houston that is an ideal wrap.

Is it best to just throw cash flow at the loan untill the principal is paid off (current cash flow between the two properties after interest and all expenses are paid plus vacancy rate = about $250 left monthly) refinance at renewal to pay it back in full? 

You can probably just go ahead and live in that 5th unit, but I believe whenever you go to refinance it with a bank or what not, the 5th unit will make it require a commercial loan and not residential regardless of what the county records show the property to be. 

The agent works "for free" until the house sells, so taking them out of the deal is theft, and immoral."