True asset based hard money lenders that do not consider the borrower's creditworthiness typically are a lot more expensive than we are.So, to me, I usually tell people that the primary difference between PML's and HML's is cost of capital.

Check out any YouTube channel or blog, and you will see this is true.

It’s a tried-and-true way to build long-term wealth, with tax benefits like depreciation and the ability to leverage financing.

I've guided several investors through similar projects, and sometimes sharing stories over a cup of coffeeor virtual  - can spark ideas you hadn't considered.If you're up for it, this could really be one BIG idea that makes everything come true for you.

The key is not necessarily to fill your MTR with true leisure business coming in, go after businesses that have business travelers coming in and out of these downtown offices.

Bank Loan: It’s true that banks typically look for steady income, but a large down payment (20-30%) and good credit could help strengthen your application.

Terrible communication.It’s true.

Because it can really make or break a deal, especially if you are not aware of the true cost.Good luck, and feel free to contact me if you have any further questions

Right now, I don't see that many true opportunities in the market. 

There is no true "science" to it and it is a bit of an art, but to answer your question, you are doing all the right things, and I would not let 2 rentals that have been on for a long time stop you.