Normally, the whole point of the refi is to reduce your payments it should your dti get within range. 

Closest medical clinic is about 20-30 minutes away...and that is a clinic, not a real hospital.   

Private debt (no equity) would greatly reduce YOUR cost of capital and increase your upside in a small deal.

Under this scenario, would you just wait until they move out to reduce liability?

The previous owners gave one tenant reduced rent in exchange for him doing small jobs and being on call for maintenance.

Now a lot of buyers are realizing that this isn't going to be a short nor quick bounce, so they are starting to underwrite a bit more realistically, which is resulting in prices lower than sellers are willing to accept--meaning transaction velocity is reduced to nearly zero. 

However i just refinanced (before really looking into real estate at all) and got a loan for $183000 reducing the interest rate by 1.75% to 3.5%. 

However i just refinanced (before really looking into real estate at all) and got a loan for $183000 reducing the interest rate by 1.75% to 3.5%. 

Each of these units are close to Downtown and the Medical Districts.

If you buy it today, and next year your Dad faces huge medical expenses, this house will count against him.