You do lead me to a point of maybe I should investigate their financial stability a bit more.The guy with the 4 plex I talked to WAS thinking about taking the $120k.

Just contact a collections agency and send them proof of the debt owed (could be the signed lease agreement or a judgement if you have one).

Thank you for this additional lead. 

Access to Larger Loan Amounts: Cross collateralization allows borrowers to leverage multiple properties, which can lead to a higher overall loan amount than what might be possible with a single property.2.

I used to think that the “big difference” , The “great divide” in investments was between equity and debt.  

I have amazing credit (760) and zero debt and I purchased 2 homes this way.

I am a busy man, sometimes more than others, as we all are.I come in here to help others when I can.I make no money from this-and making money is my primary focus.That and handling the responsibilities and time consuming tasks that go with it.I also lead a very comfortable life full of friends and business acquaintances that take up a great deal of my time.

. 💪 As for next steps, I'd focus on stabilizing your cash flow first, especially with the credit card debt situation.

I never trust people that lead with any type of religion.

Buying quality assets with a larger amount down, making improvements, and paying off debt could get you there relatively quickly.