Cost for average appraiser from a bank was about 350 ,, I hired a highly qualified appraiser that actually goes out views comps inside and out and paid 1500 for the appraisal and the difference in valuation for my property was over 250K granted it is a unique property and I had need for condemnation eminent domain legal reasons to find the best and highest value for my property.

Net of that meaning, they're going to have to deal with them in one form or another and those any issues are no longer unique to you as a buyer.

The current 4 plex  has 3 units rented out with a combined $3200 income, and one unit vacant.

For rent, I always make sure that each unit has a different rent amount and that when my usual late fee is applied it is also (usually) a unique amount.

@Dan Williamson so coincidentally I received the following attachment to an email from Unique Properties (commercial brokerage here in Denver).

We have a unique hurdle to overcome as our religious obligations require us to keep away from interest and as u know all hard money loans have interest.

Any unique benefits to a 15 year loan vs. the 30? 

It seems that most of the multiplexes I see have combined heat, and separate electric.

This won't have a tax impact for you unless your marginal bracket rate is higher than 25%.Consult your own CPA for specific guidance as it may apply to your unique circumstances.

Option 1: Do I take all of my excess cash flow (which I don't need) and pay down the debt as fast as possible - with the intention of refinancing, using the proceeds to purchase other income properties.Option 2: Save all of my cash flow to combine with my other savings to fund another down payment and just do this as quickly as possible (while still keeping a reserve for disaster etc..)