First of all, a multi-year lease should be a hard "no" even if it was a perfect tenant.

Then without knowing your entire financial situation I’d probably prioritize getting that paid off over putting anything in a Roth or over and above an emergency fund in a HYSA. 

There is a great group of members on here to connect with.

There is of course a grey area between what’s a repair expense and what is a capital improvement. 

Ideally, finding a lender who offers a balance of both is key. 

You learn the most about being an agent in the field and by choosing a good first brokerage with good training either in-person or online, depending on your preference.

I recommend requesting a review or a new appraisal that compares your property to similar multifamily properties in the area to ensure a more accurate valuation.

Quote from @NA Hirsch: What service do you recommend for doing a soft pull on a potential borrower's credit?

I can give you a crash course on the good, the bad and the ugly of Binghamton.Binghamton is something of a unicorn market at the moment; it's a rust belt city with a history of low incomes and low property values.

There's a good chance the issue(s) you face has already been discussed and answered.Ask questions in the appropriate forum.