Commercial loans, in general, kinda blow :( Not that there aren't uses for them, but they will eat away at your long-term cash flow.

I worked, every single minute besides eating and showering.

(A SFH that has a MIL unit) Right now there is some great financing on SFH's so getting these deals are like having your cake and eating it too!

Needless to say, the monthly HOA fee that pays for the tenant's utilities and the 8% Property Management fee is eating my monthly cash flow... and now that I have an idea of how much taxes I will be paying if I don't sell it within the next 2 years (thanks @Natalie Kolodij and @Mike Chern), I'm definitely looking forward to selling my property this summer.

@Matthew JohnYou have a chicken or egg scenarioMost private money commercial lenders, such as myself, have a $400k minimum loan amount.

@Catherine Woodman 10-30 years is an awfully long time to be eating 2k/month.

As you stated giving someone 10% on the 80k would eat up 8000$ of your cashflow.

Overall turnover on the 2 bedroom units eat up the extra profits.

Sure, you can put more money in to have your loan be lower but that will eat up your cash. 

Just the fees on buying/selling a house would eat up the difference between $205k and $219k.I had a house on my street I wanted to flip.