This property has been flipped, and rent exceeded the one percent rule.

The developers pushing agents to sell one of their townhouses as a STR really inflated the asset cost cause they were pricing it on a revenue structure, not asset.

is this an all-in-one loan? 

I wanted to see if there were any recommendations on good management companies, and ones to avoid.Did a bit of research on my own and came across R&L property management.

You're investing in RE for long-term wealth, not a few hundred a month that can be wiped out with one CapEx item.

When you say 'legal one family', do you mean that it is zoned for single family residential?

You would have to go after the one individual for non-payment and you could only remove the other three by going through the legal process like you would for someone on a verbal agreement, which puts you in a he-said, she-said situation. 

Everything around the lot is older but the neighborhood is less than 5 minutes away from downtown, hospital and colleges. see this all the time in and around downtown columbus OH, we have frindge areas that are getting rehabbed and flipped like crazy and then the new builds come in. 

Market Analysis is one of the biggest things I do. 

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.