The property is a 4-unit building, in a good location for the aforementioned play.

Quote from @Madhuri Gupta: this company: Flipsystem run my Antonie Martel seems to still continue to recommend this team to its subscribers.

There are some other dynamics that also will likely play a factor in making the situation great for investors...such as runup in home prices and interest rates probably created a permanent renter class of society. 

I would recommend DSCR for you, or to continue contacting some other banks.

A 3' wide continual walking space perhaps? 

Quote from @Gerald Wallace: I'm playing Devil's advocate and running your numbers through the worst-case scenario.

However, she claims she can’t afford the electric bill and refuses to keep the heater on continuously.

The smart play would be to build a two story wood frame structure on top of piers or concrete block in most cases. 35 feet is a pretty typical height limit in most neighborhoods, so depending on elevation you SHOULD be able to build two stories on top of the elevated foundation.

Properties north of Greenridge St. are a fair play. 

Do we want every phone call going to a designated person and they can contact our handyman etc - OR - do we want to continue taking these calls?