Real estate won't be full time for me in the immediate future so I'm looking for a broker with low fixed fees as opposed to a higher CX split. 

With the low interest rates we have had recently I have tried with several lenders to do a streamline refi and or try to access some if any equity from the property.

You are trying to get bank rates & terms for a private non-arms-length note.First, the interest rate is too low.

The expenses of running an apartment property include vacancy loss, maintenance, repairs, management, accounting, legal, evictions, depreciation, landscaping, make ready, utilities in common areas, extermination, insurance, property taxes, building code violation fines, permits, usage fees, security, management, leasing fees, etc.  

By the way, all tenants are responsible for their own yard maintenance, water, utilities, etc. 

I posted notices to go and do repairs and maintenance of of AC everything is gone all that is left is an old tv some shoes boxes with trash, light was cut. 

Most would suggest using 10% Vacancy, 10% Capex AND 10% maintenance.  

Taxes appear low enough at about 45/mo on this property to not lose too much money.

If anyone knows a lender that would be able to loan us enough to pay off our immediate needs which would be around $17000 with 1 low monthly payment for 12 months both my husband and I would be very appreciative.  

As investors we're always trying to get properties for as low as possible.