I am skeptical that these properties are ones that I would want to buy and bet that there are a whole host of reasons why they are 1% rule properties. 

You could do a DSCR loan as well but I would bet that rate will be high also at the moment.

In Cleveland if you are Out Of State Investor there is no winning. 

You are right - given the 30 day stay requirement in Sarasota County, long-term rentals might be your best bet.

That is not typically true 99% of the time lenders are paid on the loan amount and this gets them incentivized to find best rates and win the deal so I apologize if that was confusing.

You're best bet is to talk to management and see if there is an exception that can be made based on your plan.

Personally the most effective bet is too call other local PM companies yourself because only you can truly express your concerns and maybe get better pricing.It should only take 15 mins per call.

I never missed a single payment and they made $50,000 in interest off of me over the last year so instead of foreclosing on me recking my credit for the next 7 years and them being forced to sell a house for less than what I still owe, it seems like a great win-win option but I was shot down over and over because the appraisal was just too low.  

I bet searching on TCPA or "blind SMS" etc will find those threads. 

I bet there are very very few deals that get funded..