PITI: $1,200.5% Down Payment of $163,000 Purchase Price.Property Appraised for $190,000 right out the gate.Originally paid Gas/Water for both units and electric for 1 side, but am in process of switching electric over to new tenant, which should save $140-160/mo. 

You would be borrowing pre-tax funds and paying loan back with after-tax dollars at 5% that you could invest in tax-deferred environment and grow your wealth at 10%+ rate (there are many opportunities that would allow you to earn at least that such as private lending, syndication, note fund, etc).

Hilda, one approach that will help take the emotions out of the wayby not having to directly talk to the seller, find a good buyer's broker :)And in the meantime build a 720-800 FICO and get pre-qualified soyou're ready in case they don't want to do owner financing.IOW ALWAYS HAVE A BACK-UP PLAN in BUSINESS which is not personal...

Also they find agents from some paid platforms where agents had to buy zip codes.

We paid $220k and realtor listed it at $238k.

They did put some work into it, so perhaps haven't paid down quite that much on the loan.  

Two follow up questions(1) If the town does not re-assess on a refi, does it just assess based on its pre-determined schedule for assessing properties?

Two follow up questions(1) If the town does not re-assess on a refi, does it just assess based on its pre-determined schedule for assessing properties?

Find an agent who is an investor. go to meetups in your area to get exposed more and network. picking up random properties on Zillow with out knowing all the expenses and repairs isn't the best way to utilize the calculator. you will need accurate numbers to see if you will cash flow. start your search for a property now as sometimes it can take time to find the right one depending the area. get pre approved and go house hunting with a link minded realtor. then you can plug in the numbers into a calculator and see if any will work. best of luck.

We have photos of all the damages they left (which we have been fixing ourselves and did not charge for everything) and receipts for the cleaning we paid for before they moved in and after.