You can decline them off their credit, background and for not having 2 past positive references.

Just one additional option.  

In addition, the gas bills have shut off notices and are not being paid. (3 units are occupied and utilities are all paid by owner).

Additionally, we have paused the approval process for the 72-unit rental building due to the current uncertainties and complexities involved.Our original plan has been disrupted, but we believe in the potential of Corktown—a rapidly developing area with immense promise.

How do you finance the tear down do you add it to construction?

(Available time, money, income, family situation, credit availability, time horizon, real estate market location and phase, medical situation, etc etc.)

Most banks won't want to come in with a line of credit that is second lien on the property.

I'm currently renovating my rear unit and it has the perfect layout to split into 2 units by adding a wall and an additional front door.

After that's under control, focus on increasing income through additional work at your current job, taking on a side hustle, or finding ways to increase income on your existing rental.At the same time, educate yourself.

Flat Fee MLS Brokers for sellers have been around for a long time, but Flat Fee Broker/Agents for buyers with a cash credit/rebate of the buyer agent commission are quite new and just starting to get some market share.