Ultimately, you'll have to consider your risk tolerance, financial capacity to continue funding the project, and emotional investment in resolving the situation.

I may be a bit arrogant when it come to my ability in ready people and my “trust no one 100%” survival philosophy.

Ultimately, forming connections with local investors can be a game changer, providing you with the mentorship and support you need to thrive in unfamiliar markets.

However, ultimately, the decision to keep or sell the property depends on your personal preferences and financial goals.Reasons to keep the fourplex:Established cash flow: You mentioned the property will cash flow around $675/month now and $1000/month when paid off in 7 years.

Honestly, which would you say is the ultimate challenge you face as an STR owner today?

I went through a refi last year with a traditional mortgage bank. had the same scenario, first appraisal came back super low, we argued the valuation and ultimately got nowhere. we decided to start over with a different lender, and got a 2nd appraisal exactly 16 days after the first one was dated, and the valuation was almost $80k more. sometimes starting over is all you can do. 

This is one of the most ultimate guide on wholesaling.

,Would you run through a minefield when you have a 0.03% of surviving? 

Ultimately, I want to add value to BP since it helped me tremendously with my personal real estate investing even before I was licensed.

Here are a few I recommend: "Rich Dad, Poor Dad" by Roberto Kiyosaki; "Set for Life" by Scott Trench; "The Unofficial Guide to Real Estate Investing" by Spencer; "The BiggerPockets Ultimate Beginners Guide" found here on BP; "The Book on Rental Property Investing" by Brandon Tuner.