Then you can read a more in-depth book like The Book On Rental Property Investing by Brandon Turner or The Unofficial Guide to Real Estate Investing by Spencer Strauss.2.

I totally understand where you're coming from.Sounds like you need to get a more confident estimate on the MTR rental income you can expect.

End of year was painful and I am back to looking at a more comprehensive solution.  

I know some experts on here expect a correction at some point, but with rental rates being near all-time highs, I think this makes the midwest extremely viable right now.Also, if you want to thing long, long term, check out some articles about climate refugee cities in the midwest and how they think they will be major factors as climate change gets worse and people start to leave areas negatively affected by climate change for a more stable climate.Truth!!

Then you can read a more in-depth book like The Book On Rental Property Investing by Brandon Turner or The Unofficial Guide to Real Estate Investing by Spencer Strauss.2.

Whether it is to build out your own in-house PM company, renegotiate vendor contracts on your properties with your new unit count as your bargaining chip, or just build out a more robust administrative team, now is the time to do it to support your needs for the next market phase.

If you don't have a track record and are looking for capital from private investors, you might want to consider partnering with a more experienced operator for your first few deals.

Now, it seems like the goal would be to keep that property in the long run, so you would want to Refi that in a few years when rates come down and you again can qualify for a more traditional mortgage, but there could be a path to getting around $100k and taking the next few years to focus on banking cash flow and possibly expanding.I know, it's a bit out of the box, but if we were just blue sky talking about a solution, it's possible. 

Is there a more involved way to do it? 

The warping or buckling could also be caused by not maintaining the proper expansion gap along the perimeter walls.I would recommend using a more stable product which is probably a bit more expensive.