If you can make your mortgage payments, be glad you are not in financial crisis... or ruin.

I would suggest calling an appraiser and for between $25 and $100 you can get a value check or a desktop appraisal and find out what it is REALLY worth.When your ready to put yourself between a rock and a hard place you need the facts - might be the best $100 you spend.As for a refi - you do not have many options - getting financing yourself doesn't seem to be an option - so - get a partner - mom/dad/ brother/sister friends neighboors - just know you may forever ruin that relationship so be prepared to lose that relationship over the deal.

It also completely ruins the cap rate.

I bought a duplex in May, 2 tenants pay $325 under market, I told them I would honor they contract until it expires November 1, 2021… I had full intentions of letting their lease expire and renovating both units to hi...

Yet, I don't want to start with a bad deal and ruin my ability to keep moving forward.It also fits my current situation nicely and will get me living closer to my job.

There are a myriad of fees that come with being a licensed agent worth considering in your analysis that can ruin the benefits though.  

LOLthe dream is real estate richs and the man promoting is getting rich.. some will succeed I have seen it.. but 90% dont.. and just go into debt. that further ruins their lives

Does he need the money for cancer surgery?

You don't want to risk ruining your relationships with them for financial gain.

When I lived there I agreed that many Airbnb’s and vrbo were ruining the neighborhoods.