You can file a Chapter 13 which will protect your home and its a clean way out.When you file a CH.13 BK its not the end of the world it simply protects your home since its your homestead from foreclosure.

Any agent who believes that providing a completeproof of funds letter, which they don’t even prepare, is jumping through hoops is simply lazy.

139,416 - 75,000 = 64,416.     64,416 / 9.3 = 6,926         6,926/75,000 = 9.2% annual ROI. or is it simply gross annual collection / purchase price?

It's a win-win.

Legal issue simply give to your attorney. 

And if you time it just right when your tenant lease comes due, or have a tenant that just needs the extra space, then it’s a win win since you dont have to have any vacancy. 

I simply tell them that’s nice it’s not for sale have a nice day.  

Hope this stirs the pot a little bit and get some of you to think and realize that what you have been doing is simply wrong!

My 4 houses will by far out appriciate your one house, and I will win on net worth even tho i have slightly lower cashflow than your 1 house with 20% down. 

I have bought multiple properties personally, where rents were very low to begin with, and were even locked in for over a year, but once that renewal came up, I was able to simply raise the rent and keep the current tenant.