Gurus are just following their fulfillment companies play book its all based in MLM from decades past same presentations same tugging at heartstrings  exact same terminologies etc.

Are you willing to gamble your life and those of your family on, "being accountable for your rentals", "being a good landlord", or "maintaining your properties correctly and being decent to your tenants"?

I am BRAND new to REI and am looking to potentially make a buy and hold play in the next year, Reno might be that market for me under the right circumstances. 

There's a lot at play here - but if you don't have the money to repair the problem, you most likely need to look at selling the building and getting out from under it.

Your lifestyle, life events, and other income all come into play. 

I went ahead and pay the retainer fee to have anna as my retainer. so let see how this plays out

Lol (inside joke)I love the deficiency judgment play, especially for the rent skimmers who have multiple properties!  

The reason for this is they should probably settle the estate quickly, vs some long term play. 

They've always wanted two years of tax returns.I know everyone says you "don't need anything" for DSCR loans, but I've always found that you... do.The key difference is of course that your DTI ratio plays no role in qualifying for the loan.I obviously can't speak for OP's experience and don't know who her lender is.

So, we encourage you to play-the-game.WHAT TO DO?