That's why the personal connection with the verbal deal and personal reputation on the line matters for me in classifying as a PML situation.

This is a situation where you need to run a few scenarios and see how the numbers shake out. 

Everyone’s situation is different, probably every year. 

Quote from @Jack Krusinski: When my rental properties are in a situation like this, I make an effort to create a structured and aggressive payment plan to help tenants catch up.

They can provide guidance tailored to your specific situation and help you navigate any state-specific requirements.If you're considering investments in other states, like Arizona or Texas, it's worth noting that some states, such as Texas, don't have a state income tax, which can simplify the process. 

There were also no records of any people storing units on the site.

@Gregory Schwartz This doesn't answer your question of what's best for your situation.

Have a few conversations about your situation in general and start there! 

Best bet is likely (not absolute - everyone's situation is different) is to look at a national lender or broker that has options in lots of states - its a great development versus 20 odd years ago, with technology, internet, places like this - can have access to many more options than before (local broker or lender thats it)

I'm learning that this may not have been the best move for me and my situation.