You can probably just go ahead and live in that 5th unit, but I believe whenever you go to refinance it with a bank or what not, the 5th unit will make it require a commercial loan and not residential regardless of what the county records show the property to be. 

At this point, I would recommend having a line of credit to cover these things so you don't have money sitting in the bank doing nothing when it could be put to work.I have 33 units, no debt except for mortgages, and excellent income.

Meet with some real estate agents, banks, brokers, and property managers/developers in those areas. 2025 is going to be a pretty awesome year for cash rich investors who can pick up some excellent deals on the cheap! 

I also liked that they are US based as I had issues with my bank with the Finland based Hostaway.Finally, I highly recommend PriceLabs.

You are likely overpaying by $5,000.Broker fee of $3,000 and Processing Fees of $2,000 seem out of place...but then again, i never used a broker to get a loan so I am not sure about that.If the broker was able to get you an interest rate or loan product that you wouldn't be able to find on the open market...its high, but likely fair.if you are getting a loan product that you could have gotten by going to a normal bank...seems high and unnecessary. 

I then suggest setting up a bank account where there is auto pay.

It would be different financing but I'm sure banks could get it done. 

PreREO made 2 unauthorized attempts to access my bank account to withdraw funds that were over and above the monthly interest payments.

I offered $100k cash sale or a $150,000 bank sale.

Credit Union, Brokers, Banks (all have different advantage & disadvantages).