But my down payment 3 years ago is only 10% of the total price $42K.

Hre are the key things to knowWhat you are bidding on - often oddball properties that are hard to identify and have little value are auctioned offThe true as is value of the property, The tax assessment can be way higher or way lower than the true as is valueThe local laws and how they affet your total costs and returns

I dept free minus these mortgages.  

As an aside, my laundry pods for the guests and liquid for the turnovers are "free and clear" and have never gotten a complaint.I have had guests break into my owner closets, but oddly never steal (they were kids probably looking for liquor). 

Start with BiggerPockets Ultimate Beginners Guide (free).

Feel free to PM me. 

Just to confirm on the duplex, you're getting a total of $2,600 per month in rent, is that correct?

Can we DSCR out of this to get our money back out or will I need to sell it to get our $136k total investment out?

Here's my free resource; https://docs.google.com/presentation/d/1qCD_XIgmg-2BGGzsDbWq...

It is very embarrassing to admit that a woman who has been an entrepreneur, taught college, and accomplished a few things in life, could be so totally taken in.