No one can predict the future, but if you'd like I can send you a market update of how Neptune real estate is performing YTD compared to other nearby towns.If you do decide to pursue Neptune, my office just listed 3 properties there (one single family, 2 multi family) all at 60-65% of assessed value and for $175,000 and less. 

You may find a private lender willing to lend differently but if you want a traditional loan you may have to distribute more of the business income instead of leaving it in the S Corp.I would also make it clear that you own the business and only earn a salary for compliance purposes.

Rent was earning me $950/month and was paying 12% on property management since i live 3/4 of the country away...Last month i owed 34k on the loan still, but the last comparable property in the same property area sold for 139k prior to the fire, with the townhouse being rebuilt new here within the next year, i expect the value to increase with the updates in the rebuild...Just wanted to get some input on situation, im financially able to cover this $505/month easily, but i feel like there is something i could be doing to offset this and figured the creative minds on here would help me out.

Is it a non-traditional lender. 

In the long run, these costs are minor when  compared to the income I’ve earned.

I see the value of the homes you posted here are very modest  (esp compared to Charles Village) and I'd be interested in understanding what other strong rental areas exist outside the well known neighborhoods in the City.

I can not go to traditional lending to get a loan.

Forget $160K for a comparable house in good condition. 

Compare the profits from flipping (accessing the equity) that you could have right now, to your monthly CF (total).How long would it take your cash flow to equal your equity?

A traditional loan would be 80% of 500K or 400K.