@Brandon Turner Ha, I know this is old. 

@Lee Ha Hi Lee.

Where  I get confused is , should I wait to purchase a duplex now, or pay off the 4 plex lot.I missed the opportunity to finance for 4.75 % interest 9 (lot) with credit union last April due to relocating and not qualify now since my contract will be probationary status the first year at a new location.I have 6 K now and perhaps use equity line of credit from my duplex. ( I have a secured of 4 K for the current duplex property)The only debt I have is discover 6 K zero interest till next year . ha!

ha 

ha!

It probably varies from one HA to another. 

I ha e always felt like leasing a house would be the hardest thing to get out of if things go bad or i would have to just deal with what i get if it doesnt get fixed. 

Neil - ha, are you thinking now that a kitchenette is a good idea then?

If that's the case, if the HA knows the problem is the tenant being uncooperative, they should be more lenient with the owner and get on the tenant's case for him, to let him in to fix things.

For now, I am just a free consultant for my landlord friends ha ha.Just today, I was walking by the dumpster outside that is under one of the old-fashioned garbage shoots, and of course, there is garbage all over the ground around it, because tenants just throw garbage into the shoot without bagging it first.