@Nick Yates to get back to your OP and question- I used Castle for a period of time- (also reached them through recommendations on BP) and they were ok for a while but ended up  disappointing me dismally-  mismanaging a cash flowing sec 8 property of mine into abatement, which resulted in the tenant being permitted to break the lease and leave, and thereafter instead of pulling their weight and turning it around, they simply resigned and left me holding the pieces.

I am a Canadian with properties in the US...so the reverse to the OP's situation.  

(Apologies for digressing from the OP)Meanwhile, stock market is looking a little insane right now.

But we should also agree that @Gen Young is not a 50 y.o. seeking retirement income, nor is she seeking to defer cap gains tax from a prior investment (I base that on the OP). 

If you are looking at a co-op or a condo, you want to ask about maintenance fees for co-op, common area charges for condo.

having done a lot of business in Detroit and in Hinds and RAnkin and Madison counties I can attest to that thought process.for the OP there is the RIG meetings which is what your probably referring too.I was just there last week looking at all our stuff there.. some streets are probably beyond help but other areas I can see a definite change for the better.and in the Fondren area we are seeing retail flips were 5 years ago I only funded deals there for rental purposes.. ( I am talking West of State St.) 

Actually @Cody Begg, re-reading OP (woe unto me for BPing before coffee), I think you will have problems with any refinance at all within six months. 89% CLTV on a 4-plex will not be  fannie/freddie loan, it'll be some niche portfolio residential product, or (unlikely) commercial.You've got some dialing for dollars to do if you don't want to wait six months.

That would be of huge use to folks on BP just getting started - OP question probably comes up twice a day around here. 

I might have missed it but didn't see where the OP indicated anyone was still in the property.

I am interested in talking to a realtor about buying into a vacation property co-op in Sunriver.