Although, Buildium is good and affordable, it isn't just as robust compared to AF.I hear negative things about doorloop and don't have any experience with it.I consult my clients in AppFolio and Buildium so it really just the price and how big you want to grow your business.

The program requires the debt to income (DTI) ratio to be 45% or less when comparing overall eligible monthly income to debt. 

It's great that you're shopping around for a conventional loan and comparing options.  

Inventory has held steady around 5-6 months for some time now, with roughly 11% more active listings on the market last month compared to September 2023.

Commercial loans often have different terms, such as higher down payments and shorter loan periods, compared to conventional loans.Here are some steps you can take:- **Consult with a Commercial Lender**: Talk to lenders who specialize in commercial real estate loans.

It’s just too short compared to the more extensive ads from your competitors.

We recommend you get management contracts from several PMCs and compare the services they cover and, more importantly, what they each DO NOT cover.

Create a simple spreadsheet or written list to compare the features of each and identify the ones that align with your requirements.

You may be able to capitalize on this if your area has experienced similar growth.Simplification: Selling would allow you to focus on your new single-family investment properties and potentially expand in those markets.Capital for other investments: The proceeds from selling could be used to fund other potentially higher-yielding investments, especially if you use a 1031 exchange.Small town limitations: Depending on the specific town, there may be limited growth potential compared to larger markets or more popular tourist destinations.Given the stable cash flow, low remaining debt, and your established experience with the property, keeping the fourplex seems like a solid option, especially if it's in a location with STR potential.

We don’t know any PMCs to recommend in the area mentioned, but since selecting the wrong PMC is usually more harmful than selecting a bad tenant, you might want to read our series about “How to Screen a PMC Better than a Tenant”:https://www.biggerpockets.com/member-blogs/3094/91877-how-to-screen-a-pmc-better-than-a-tenant-part-1-services-and-processesWe recommend you get management contracts from several PMCs and compare the services they cover and, more importantly, what they each DO NOT cover.