. , I admit upfront, I do not fully understand your intentions based on your post but I can only assume that somehow the post you have seems to suggest that you would want to purchase your own loan.

If you make an effort to respond to any issues section 8 tenants tend to stay with you an extended time at a premium rent guaranteed on the 1st of the month with no headache.I agree that there is poorer liquidity, but you need to buy these units with the intention of cash-flow and if you need to sell give your buyer a nice ROI.  

im with you Brian, I have no clue what it is, ill need to research that.

You can do a lease option assignment deal, use my letter of intent in my files. http://www.biggerpockets.com/files/user/REISkills Bring that to an attorney and make $3K by having the seller sign a lease and an option for $123K.

Also, I meant to say 10% per expense for those three costs so a total of 30% but i know a rule of thumb here on the forum is take 50% off the top so ill take a look from that perspective.

If they say "ok ill take 100K?"

My average tenant stays 18 months right now my problem is due to my schedule it usually takes me about 2 to 2.5 months to fill a vacancy as its hard to find the time and what ends up happening is I don't have time to do a proper pre screening, get stood up half the time, then I get frustrated and go into Ill get it rented when I have time mode which doesn't do me any good and pro longs the process. 

I do believe that you can ask for a letter from a physician that can explain the person has a disability that requires a service dog, but do not ask for specifics on the illness or disability even if it is not evident as that is not allowed.  

Or, 2) Focus more intently on looking for a full-time job in real estate in hopes of transitioning out of my current job and finding work that it is more enjoyable and involves better learning opportunities.

@Christopher McGuire What I'm seeing on the surface is an ugly deal for you...but, that doesn't mean a little creativity can't make it work.Let me see if I got this straight:1 - You have $10,000 in cash in the property already, but no debt.2 - You can only rent it at $400/month, and will lose money every month until you "unload" the property...which could be 60 payments of losing money (5 years).3 - The Tenant/buyer has agreed to buy the property from you in 5 years for $25,0004 - You anticipate losing more money over those next 5 years through added CAPEX5 - You don't want to hold the house long term.Questions:1 - When you first bought this house, what were your intentions to do with it?