After I placed the 5 day notice on her front door, she text me the next and said she would pay the full amount so I told her to go to the bank and deposit it and she did so we are back in business.

As long as you are not a borrower, there is no note or loan that will negatively affect your dti from a debt perspective.

As I see it, the only ways that real estate pays you well in the first 3-5 years is low to no leverage or a strategy that requires more work (short term rental, mid term rental, rent by the room, etc.).  

Hi Chris, I see that your question received no answer.  

So, your focus may need to pivot from high rental cash flow to little to no cash flow as a rental with an appreciation upside.I would recommend taking your $150K to $200K and securing a solid equity position in something that will cover its expenses and maybe provide a small cash flow, but then is poised to appreciate nicely over the course of the next several years. 

The property was impacted by hurricane Helene and there is no substantial damages letter issued (yet?)

Can try to reposition to Class B, but neighborhood may impede these efforts.Vacancy Est: Historically 10%, but 15-20% should be used to also cover tenant nonpayment, eviction costs & damages.Tenant Pool: majority will have FICO scores of 560-620 (approaching 22% probability of default), many blemishes, but should have no evictions in last 2 years.

One of the major deficiencies of this property is it has no garage.

Please, no solicitations.

I tried FB ads, and got some inquiries but no bookings.It would be nice to have an AI program that would respond to people looking for a certain sized property in your location for certain dates.