It is the only house we own, and it is obviously a pain to manage.If we sell it now we will be at a net negative on the whole thing, but won't have to mess with it anymore.

It started with trying to get buff to get girls, then to help with mental health, and now I keep the habits because they provide stress relief, more energy, and more positive outlook.

The comment above about the commentor never doing this, that's because he hasn't been in enough pain on a property to need to do this. 

Floaters are painful today, but fixed was painful a couple years ago if you wanted to sell 3 years into a ten-year loan.  

The spiral metal staircase leading up to the front door was so steep that after a month our knees were in pain. 

I fell from 13 active notes to 10 and I have a bit of relief.  

I also suffer from 'nice-guy-itus.' so I feel your pain.

The owners are feeling pain from their property it could be the children who inherited the property, poor management leading to deferred maintenance, vacancies, and many other inefficiencies.Most owners in this spot are looking for a way to end the pain they are feeling and many will take a path that solves their problems and gives them something in return to justify the sale.

If your lender is being a pain about that, then it's best to heed their advice and if/when you re-fi make it into a DSCR or nonQM loan to have your LLC as the real title holder. 

Good old fashioned calling someone up, sparking a conversation and finding out their motivation/pain points is definitely more effective than mailers.