Many community banks will give you credit for proforma rents.  

Fix the property up to force equity, rent, and refinance with a 30Y loan.

You can get started with rent to own/lease option or another creative strategy like buying subject to. 

Price to rent ratios have skyrocketed everywhere and it's pretty unlikely rent will ever get to a point where it evens back out because at those levels it's just as cheap/cheaper to buy (not to mention most renters can't afford anything like that). 

You are LOSING money because you didn't even raise rents to cover those increases!

I did not rent it in the 3 years. 

A) pay 1/2 the remaining rent. 

NOMAD wants to rent my house with a Master Lease where they pay me the rent and then sublet to occupants who pay them.

I bought a duplex house near Scranton this past year and it is rented out . 

House Hacking using the VA loan to live on one side while renting the other is great.2.