@Ade Akingbade so, you jumped in without looking and you're now in over your head.You bought someone else's problem without a clear plan to turn it around.Highly recommend dumping this property and taking whatever loss you have to.Otherwise, you will just lose more money trying to fix this situation when you have no idea what you are doing.Bring your funds to Detroit - which is growing!

I told my initial lender my plan.

Is your plan to refi and move and do it again?

This is what I do:1) Helping investors articulate, clarify, and organize their thoughts. 2) Holding investors accountable for their actions. 3) Assisting investors as they strategize and make plans to reach theirREI goals.

The plan is to get my brother to get an FHA loan (approved for multiplex) and I cough up the dough :P...

Best secret plan ever!!

to help me with financial planning, building wealth and maximizing tax deductions/credits.

Prepayment penalties can be used to insure against an early payoff.The times I’ve used this technique to create high yielding note I enhanced the return by being able to sell the property above the price I paid.  

If you  do plan on moving into the quad you should identify what unit you desire - maybe based on the rent amount or the tenant behaviors, etc.. 

I'm not expert, but I'm planning to do my first 1031 in six months, so I've been planning and doing my research like crazy.