With the other sources in place you may be able to negotiate a better deal with your current lender. 

The roofs were updated in 2021.All units are currently occupied on month-to-month leases, with three tenants paying $1,425 per month and one tenant paying $1,300 for handling lawn care and maintenance.

I believe most investors passed over the property due to current intrest rates.

We currently live in one unit of the duplex and rent out the other.

I think we could all agree there are basically three answers:A) Stay the course - keep adding 10 bps for each year held based on stabilized market cap rateB) Take a little risk - use the current market stabilized cap as the exit cap tooC) Throw caution to the wind - use a cap rate that is less than the current market cap (*If you pick this answer what method are you using to predict a cap rate)Which answer would you pick and why?

Hi BP I currently own a triplex in Tucson AZ where I live in one of the units.

Hello,I'm a property owner having consistent problems with my current property management company, which I'd rather not name for now, but is one of the bigger names in the Alabama area. 

The house is a 3-bedroom, 1-bathroom, 1,300 square foot home currently undergoing a full renovation (interior).

You also need to understand what the current zoning is and and current development value.

Any other possitive factors  - stable tenant base  - alarm systems  - regular checks on the property  - no pets  - Lead safe certification  - newer roof, plumbing, electric, etc..Anything to balance off the lossesBe prepared that it may end up in a non-standard (surplus lines) market for a couple of years.If you did not have flood coverage before, see if they will continue the current policy if you get Flood coverage and increase the property coverage deductible.