The representative informed me that because there was already a paid advertisement for that building on the site I was not allowed to post on my own and I had to contact the property managers for the building.Has anyone else had to experience this kind of runaround and hassle just to list on either of these sites?

Also factor in on-site coin  laundry bringing in another $150 a month and garages bringing in $150 a month. 

As for underwater, never fully trust info from third party sites.

Hopefully this post makes some sense..Stuff about me:I'm about 75% finished with the BiggerPocket's "The Book On Rental Property Investing" (that blue book) and have listened/read quite a few of the resources on this site. 

Just wanted to give a shout out to any Austin, TX or central TX residents on the site!

Kelvin, Welcome to the site.

More than likely your best bet is to just keep everything the same. 

welcome to bigger pockets @Faheem B. stay active on the site, it is a great tool for all levels of investing.  

I am a broker and I only work in Commercial and yet DAILY on these forums I am in AWE at the way some of you interact both on this site as well as out there in the big world!!!

If you cant refi my bet would be to pile up the cash in a separate account so that you can build up a nice down payment for another duplex.