. $2,100 a year for water/sewer on a three unit is on the high side.

If I were you, I would request a copy of your credit report from ALL THREE credit bureaus to confirm it's not appearing on any of them. 

We have been in the process of a gut rehab for the last three months and we are nearing the end phases.

Do you have a sufficiently hardened contract that I can use or know where I can get one?

I will summarize the three possibilities below:- Rates could go up the day after the election, maybe by a lot.- Rates could go down the day after the election, maybe by a lot.- Rates could just kind of shrug and not really do anything.There you go, there are the three possibilities.

Okay we understand that a mistake was made or the screening wasn't sufficient.

Three of the units are presently rented out, and while the rent isn't provided in the listing, it's safe to assume the rents are likely around the $1,000 to $1,300 range based upon comps in the area (I would personally assume on the lower end, but I could so very easily be wrong). 3 of the 4 units are rented out, with the fourth being purposefully left open in the case somebody wants to owner-occupy (how smart!).

Then my lender would be able to refinance the property in three months as long as I had a tenant in place for one month.

Let me add that I think of marketing for my 27 unit as a three legged stool.

I'm currently trying to get out of an apartment that I'm paying $1300 a month for right now, and I know I can find a 4 plex or more in which I could be actually making a little cash flow/house hack, I'm currently self employed and have been for three years (I believe might be an issue with the lenders), and have about 10K saved for a down payment, and I have a friend who wants to invest with me who has a large sum of money but bad credit so I don't know where to begin please someone at least tell me where to start?