I feel like all the calculations ( ex 4 square method analysis) and cash flow are going to be not reflective of out current situation since we will be living in one unit and renting the other two units.

I would like to follow the same method. 

RUBS is a method used to allocate utility costs in multifamily residential properties when there aren't separate meters. 

The BRRRR method is when you buy a fixer-upper, fix it, rent it out, refinance it, and then do it all over again.

Depending on how far along this loan is in the amortization, there could be additional benefit in keeping the original mortgage in place because more of the PI payment is going to principle, opposed to if you were to take a new loan, where a majority of the PI payment will be going towards interest.As far as the negotiation goes, my method is to simply do run a few scenarios, making sure to add in whatever ROR or whatever metric you want to have as your investment criteria.

Also, there are methods to picking a market I can tell you more about.

Use the enemy method and the search function in local Facebook groups.

How’s it going Johnny, I’d love to connect, Birmingham is my main market and I currently have a 58 property portfolio of tax deed properties that could work for your BRRRR method

If your looking to pay down your home though, I would look into using the shred method. 

I think we can achieve the goal of a family-friendly community and having a house that I can get paid for by using a co-op method.