I eventually sold this property.

I looked into this prior and there was no way if you are dissolving and changing tittle to the assets - what is your cpa saying ?

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.

Any suggestions or am i missing a tool to do this with?

Any major bank has this account.  

Glad to have you as part of this community, Dramail! 

By not increasing rent enough each year you're losing money (this is the truth).If they push back hard or say they're leaving, you can always negotiate and back it off a little.

And if you set the expectation upfront, you avoid these headaches altogether.I hope this helps !

This also gives tenant proof the their rent has been paid.

Looks like no one hopped on this thread so I figured I'd answer.