@Harrison Sharp Nice to meet you.

@Kyle KellerI feel your pain.  

I feel your pain and I am in a similar situation on several units I own.  

My rental has been pain free and providing strong returns.

Moving is expensive and a huge pain.

HOA fee's can really eat up your profit and even dealing with them can be a pain (I recently changed the door knob to my gf's condo to a smart lock and she got a letter saying if she doesn't change it back she will be fined since they want all the doorknobs in the building hall way to look the same or something along those lines.)(-_-)  Also condo's/townhomes just don't appreciate in value as much as Single and Multi-families do which is important if you are trying to be a buy and hold investor.

Rewarding bad behavior feels bad, but focus on your long term success over short term pain.  

@Zach KirktonIt absolutely takes a while to reach out multiple times, form relationships, figure out their pain points and how to solve them.

SBA loans can be had but they have big fees  and tend to be a pain to get rolling.

Since you'll be living there, you'll just have to nail down your timeline - you don't want to go long without a kitchen or a bathroom (always make sure you have a working bathroom, obviously).Constantly moving furniture is a pain, so you might want to think about that as well.