Like anything is sales (and you are in sales even when you are trying to buy a property), the less clean cut the deal, the more likely it is to get rejected.

The realtor tried to talk me up to at least 175 but… that’s cutting a bit into my profit margin and I’m not that eager to buy it because that’d also be my biggest renovation project.

Mortgage companies, heirs, Bob's construction company that put a workman's lien on the property, Credit card company, etc etc... exception being local municipality liens ( grass cutting, demo etc.)

While you may not make significant passive income renting the other side or the other three units, you can probably cut your living expenses in half or even live for nearly free in a 4-plex.If I had to do it all over again, I would have taken this approach at your age and purchased a 4-plex every year or so with minimal down payment.

You are already losing money on it so you should either cut your losses and sell or be comfortable losing money on a monthly basis with the expectation to make it up on the sale down the road (see you're in FL so you might need to wait a few years).

We work in the healthcare field and aware of pay cuts to travel nurse salaries and contracts. 

If we do get a fed cut i think rates will start looking really attractive to investors. 

the "regulars" who have their turf battles (or hmmm, ya think anyone might ever cut any backroom deals on who goes after what?

So the bank is not getting their money any way you cut it.My question is how do I get the ball rolling on this?

Most products just don't cut it.