.- If I use any of the above, can I use a portion of the money to pay off personal debt?

Duplex appraised 380 (super ****ing low ball) brings in an estimated 3,900 a month in rents. buyer agreed and SIGNED addendum to purchase at 397,500. day of closing they dont show, tell us they didnt know what they agreed to pay over appraised value and are trying to get us to accept 386k. my agent had me lock in our month to month long term tenant to a year lease for THEIR lender and now they pull this.. they have only 5k in escrow account.. my agent wont reduce his commission from 3%-2% to help bridge the gap. suggestions?? 

I also use the Costco/Citibank VISA cash back card to pay for expenses.  

My purpose behind my decision to pursue REI is to gain financial freedom for wife and I, my future family as well as have the ability to make sure my parents are well taken care of once they reach the retirement age.If I had to label myself I’d want to be known as an open minded rental investor for all long term, mid term and short term investing, with the occasional flip for quicker capitol to put back into another rental.

Otherwise everyone paying double or triple would be an idiot.

It may sound nice to pay a 6% management fee but the extra fees can add up to be more than the other company that charges 10% with no additional fees.

We had to evict one and the second didn't pay rent for a year.I switched over to GK Houses which is now Evernest and compared to Zeker, the experience has been quite positive so far.

I have a some of high interest debt I used to start my business along with some personal debt I would like to pay off.

You see the pay history2.

Right now DSCR loans require 20-25% down by most lenders and your credit score will be a deciding factor for the rate and fees you pay.