Too many rentals, too much deferred maintenance, no real budgets, not enough money in reserves.You can still get CapEx in condos....these are called "special assessments" .

You are losing money on both properties. 

-Management is low - you'll need at least 10% plus leasing costs - typically a month's rent for each lease-up, and sometimes a renewal fee as well-Insurance seems low-Are taxes accurate? 

@Michael James Hamlin I'm a former tax accountant/business consultant turned fix n flipper and investor friendly agent. 

If they do, your best bet is a local community bank that funds these types of properties.Another option is a private lender but that money will be pretty expensive, as mentioned 10%  + 

If you need financial help, ask under the "Finance, Tax, and Legal" forum.

I was out of college (just earned my degree in Culinary Arts) and was constantly running out of money.

Hard money loan How did you add value to the deal?

I tend to save the most money by being able to do my own stuff up to code. 

Since I've owned just a few days over a year, I'm not a happy camper and have no doubt they knew this was going to happen when they took my money last November.