This property will cash flow as it sits right now even with a DSCR loan and a high rate of 7%.Tenant #1- The highest paying tenant that just moved in this year. 

I'd go ahead and issue a 3-day notice to pay or quit.

I do  have a good paying job that helps me pay my primary residence, but I like to plan for rainy days.My ultimate goal is have enough rental income to live off of, so I know conventional wisdom says I need to buy more rentals.

a friend of mine wanted to invest some money with me in a property I bought, and I need to pay him back his money that he invested and also his share of the profit, I've never done that before, always invested on my own!

I pay all utilities. 

You don't need to pay the tennant.

If you pay off your loan, your "return" on that cash is 8.5%. 

For me 5% or less is generally when I would not pay off early. 3.2% Do not pay that off early.  

Can you use that 105K and invest in another deal to beat the $1,085 you pay for the mortgage?

We didn't hear from her for 24 hours, so we sent her a reminder, and she said she would pay the next morning.