-it's not separately metered, all utilities covered by owner-no pool or common areas besides laundry.

I'm no attorney, but I don't think you have a leg to stand on regarding disclosures.

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.

They are about the same cost (which surprised me) but for a rental property that is really probably mostly for pets, I'm concerned about maintenance and upkeep.

What add cost should they expect?

@Ryan Daulton No investments are guaranteed, some investments just happen to be less risky than others.

It always feels good to have no debt, that's for sure.

I am single with no kids.

I did not see marketing costs, nights that you need to spend at networking meetings paying for dinners or memberships.

While I will still lose money on it in the long run, I'm at least breaking even on it monthly and no longer have the headache of it.