Thanks For the tip Ed, the toughest part for me is to walk away, I'm very tenacious and persistent  I need to learn to take the emotional equation out of my  Negotiations 

If you don't know how to value it maybe it's too big of a deal for you at the moment. it sounds like a turn around project that someone who already turned around a damaged property like this should handle.tenants that pay this rent are not the best renters to handle in GA so you are getting low quality tenants (income wise, job wise etc..)so that's another risk into the equation especially a 100% VR.

Used when buying streams of debt or Notes at discount.One of my favorite present value of money equations and one that got me out of a lot of my OREO was Zero interest financing... 0 interest for 30 months has the same PV as 7 years at 15%...On the topic of how you introduce yourself.. for me..

Leave the 6-plex out of the equation (with the bank, anyway).  

What that equates to is me paying additional payments directly to principle in addition to the regular monthly payment as shown below.Geeking out on the numbers a little, here are the calculations for the amortization I ran based on the various scenarios.With the 15 I can pay extra $250 in principal and with the 30 I can pay an extra $450 and still be making roughly the same payment I am making today.  

I wouldn't in any equate your ability to get a loan mod with getting an investor loan.  

I feel like the real math in my equation is not the price tag i paid but that and all the interest i paid in 12ys so im not sold to just sell the property… hold and get another loan for higher balance and rent out current condo or sell current condo so my loan principal will be lower?

Where does the wholesaler come into that equation? 

For hosts who are struggling, my advice is to dive into the airdna metrics - all the answers to the equation are there.

It's scary to  have to replace a roof when the cost of that equates to 20% or more of the market value of the house itself, i.e 10k roof on a 40k-50k house, now imagine 80 doors.5x the number of doors in existence...that's pretty funny.