Look for better deals to provide latitude to deal with unforeseen issues.

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The appraiser must provide a sufficient explanation of the basis and rationale for all adjustments (or, if necessary, lack of adjustments) within the appraisal report or addenda." 

They must now make 3 payments of interest only payments of $495.60 to continue on this program.Please let me know any further details you may need or any insight you can provide.

If cost of money doesn't deter you then strategic refinances can provide capital as well. 

Thanks for any help that can be provided.

@Angela Costa you should research working with a financial advisor as @Jeff Nash is stating no one on the forum can provide comprehensive planning and personalized advice you need to work with a real financial professional.  

These options may provide additional funds to supplement your cash reserves.

I'm in contact with the city attorney, because there's also a Georgia law where a water provider can not put a lien on a property, if the property wasn't in the hands of the owner at the time the charge was occured......Since I owned it in 2014, then I shouldn't have to be responsible for a water bill of a previous owner, if they forgot for 14 years to file this lien.....Wish me luck

I would use an experienced DSCR broker who can provide you with all the possible options.