within the next 3 - 6 months duplex /triplex in or around my area although  the funds are week due to a high DTIalthough i have a 740 credit score, some larger purchases/ home improvements ,solar /roof /windows  have led me down the borrow pay later mentality..

If you have shower doors remove than and install curtains.

The interest is a set percentage that is based on the balance due and is often bundled with the monthly installment of repaying the funding.

Can you explain what this mean "The IRS recognizes an installment sale as a way to defer a capital gain on a property sale.

You don't have any cash flow, you have reimbursed owner funds received from rent in the amount of $208.75, you basically prepaid the rent for the tenant at closing and they are paying you back in monthly installments until all of your cash is out of the deal.I showed him he doesn't have true cash flow until year 7 on the deal when he gets his $18,800 in cash out of the deal (down payment, closing cost, etc). 

So I'm thinking domain + g suite + wordpress install for the website and add another line to my personal phone. and create social media and start posting. also use an AI tool to make a logos or even fiverr use that logos for socials, cards, shirts. then after some time work on facebook ads and SEO for the wordpress install. I

The house needs a roof and the existing roof is very old asphalt over cedar shake so according to the roofers they need to completely remove everything down to the rafters and install 5/8th inch plywood then reroof from there (one estimate so far came in at $31k for that).  

In addition, my husband does some side work doing landscaping, installing turf, etc. 

You did not mention any payment issues, have you been collecting mechanics liens with each payment installment?

When water bills come in, I pay tenants water bills to the Water and Wastewater Department directly and they reimburse me the cost owed with their next months rental installment.