Hi Shane, I'm sort of in your boat.

Is it possible to refinance it with a fixed rate loan of some sort?

(additional info: changing the stairs or getting new ones would be a massive undertaking)You might be able to get them to sign some sort of waiver, but then if anyone gets seriously hurt it likely won't save you.Some attorney will argue you willfully ignored a known safety issue, and as the "big bad landlord" you'll lose your shirt and then some.Plus, your post here will be Exhibit A and definitely won't win you any points with a judge!

Then makes him jump thru all sorts of hoops to get them, all while presumably charging him fees for the privilege of having an account with them.

Wait, it’s sort of the same thing ;)

The BRRRR turned into a house hack of sorts.

To be clear, I am not asking to put price of rent, or even list metrics for some sort of ratio in the listing. 

It is available if you need it...sort of...It is very easy for them to dispute whatever you put in there.

Once you have all of that sorted it is time to let both of them reapply to remain in the unit.Residency is a privilege.

I expected some sort of observations on my current situation and how they could help, etc.