As far as the garage concern, it was not included in the lease. 

Lenders have liability in baiting borrowers, with disclosures, rejecting loans, in giving loans, or collection and servicing requirements, liability concerns are huge compared to real estate, violations carry ten years in prison and/or $100,000.00 fines, you better know what you are doing, and there are many brokers out there running small shops that have little if any compliance awareness.

Their explanation is that the banking service they use (Thread Bank) and their agreement with Stripe (payments) leaves them with no choice but refund if such a request is made, even though they have records of the tenant authorizing payments via their own platform.

That basically leaves you with investors and buyers with let's say special circumstances.

If high rates are your primary concern, you could potentially look around for a similar arrangement.

I am currently interviewing property managers as I am looking to leave them ASAP.

Quote from @Elliot Angus: I recently came across an interesting opportunity and thought I’d share the details.Mortgage Details:Outstanding Balance: $70,000Fixed Interest Rate: 3.75%Monthly Payment (PITI): $950Loan Maturity: May 2045The property’s current market value is around $225,000, leaving significant equity on the table.Tenant-Buyer Situation:The property is currently occupied by Rent to Own tenants.

The one percent and 2 percent rule ive never looked at ... cap rate is .. meh .. its there - what im most concerned with is the price of the home relative to comparables and cash on cash to start.   9)  I look  the other way if it is a multi unit that is not separately metered - thats always one of my criteria here in pgh as there are a lot of older homes and a good portion you wind up worrying about who will cover utilities.  

That's great that the bank who currently holds the note wants you on 20 year or 15 year amortization, they view you as a captive customer, they don't have to earn your business any more, as far as they are concerned. 

The demand for affordable, shared housing is strong here, so filling vacancies shouldn’t be a major concern.