I bought it in cash since it seems most banks don't work with Co-Ops.

OP that’s a local and propertySpecific question.Talk with your zoning group.  

This depends on your agreement and whether you are hypothecating the note (meaning you own the note and are borrowing against it) or doing a partial where you are selling that portion of the note and issue a collateral assignment.When i did partials I did it as a hypothecation where I kept control of the note because those who typically buy a partial are not savvy note investors and if it went into default the first call they would make would be to you.I know some who let the buyer own it and they would be calling the servicer every week asking about payment or emailing the etc. then if it did not show up they would be calling them.How you structure it is up to you, just realize there are pros and cons for both hypo is the way to go.. also the OP might just check with their personal banker if by chance they bank with a small community bank..

But to the OP, you're comparing two different things with different risk profiles.

By the OP’s own numbers, he is above the top end of average rent range.  

OP looking at your previous posts you do wholesaling?  

I am pretty sure the OP has moved on since then.

Maintenance, the life cycle of commercial W/D, and the cost of converting from coin-op to debit card operated? 

I also understand the OP frustrations..

Keep in mind if OP does not buy a house he would still most likely be renting an apartment, and probably be paying 2k+ in rent.