Quote from @Jokari Trueheart: HI, almost 11 months ago I purchased 3 duplexes and I borrowed the funds from my personal residence which I took out a equity agreement for the down payment on the investment property, great idea at the time because I have 10 years to pay it off and theres no payment requirement, but , I learned more about the consequence that it takes a large chunk of my equity the longer I take to pay it back, so my goal was to refi cash out the investment property to pay it back but I don't think theres enough equity yet to pull the full $106k needed, I only borrowed $88k but with the equity percentage for one year i'm paying about $18k in equity on top of the amount I borrowed if I pay it off in year one, so I need this paid off ASAP before it increases more.

For flips, calculate the after-repair value (ARV) and subtract purchase, rehab, holding, and selling costs.Pay attention to location, rental demand, and the property’s condition.

Pay attention to 99% of the posts on Bigger Pockets, most folks here have very little money.

@Jon D. some questions, the answers may help you better focus.1) Why did you pay your primary mortgage off in the first place?

—it’s also about reliability, attention to detail, and someone who just “gets” your space and your guests’ expectations.Do you have any hidden gems, local recommendations, or tips to share?

Out of curiosity would anyone be willing to share any experience with non-paying renters who've vacated the property prematurely?

A tenant not paying has nothing to do with us either.

You’re not going to find a safe way to do what you want unless you or the “buyer” has enough cash to pay off the note. 

Agent gets paid from the net proceeds unless the seller is unwilling to pay the buyer agent fee/commission, which in this case you do not have an agent; that agent would ask (if they were representing you) for the buyer/you to pay them their commission from a buyer broker agreement (if the seller was not paying commission).So it's the same difference, the seller will pay it (2%), and the agent will not come out of pocket for it.

It’s waaaaay easier for a company to fail or be unable to pay rent than you think.