There is small retention pond kind of area next to my property belonging to city which they are not managing ( There are big trees there which are close to my property about 12 feet away which may damage roof if fall towards my property but it never seems happened since 1961 touch wood).

So you’ll want to ensure your cash flow can cover the additional monthly note (assuming you still have a loan on them from the pre/during-Covid acquisition dates.)

Can try to reposition to Class B, but neighborhood may impede these efforts.Vacancy Est: Historically 10%, but 15-20% should be used to also cover tenant nonpayment, eviction costs & damages.Tenant Pool: majority will have FICO scores of 560-620 (approaching 22% probability of default), many blemishes, but should have no evictions in last 2 years.

It would be a "DSCR" loan in the sense that it would need to debt cover, but not the same formula as the 1-4 units (rent/PITI).

The hired leak detection company states there is no leak, the roof has been replaced as a result, and the crawl space has also been encapsulated.

If you do find a deal and maybe it doesn’t cash flow for the first year or 2 but you can make improvements, raise rents on under market leases, manage property effectively and cover your expenses at least you will have started and can look for better cashflow over time.

Roast my data or give me some advice :)  Sam, I got you covered.

Can try to reposition to Class B, but neighborhood may impede these efforts.Vacancy Est: Historically 10%, but 15-20% should be used to also cover tenant nonpayment, eviction costs & damages.Tenant Pool: majority will have FICO scores of 560-620 (approaching 22% probability of default), many blemishes, but should have no evictions in last 2 years.

When I purchased this property, I used my HELOC to cover the 25% down payment.

I believe that this might be due to a leaking roof but I'm not sure.