We are ok with making calculated risks with our money, but when you introduce other peoples' money to the equation as a variable it can get sticky.

For the most part we are all about leverage but that is leverage that makes money. 

There are groups that are doing exactly what we are doing.

Thats a red flag.  

Melissa DSCR loans are business purpose loans therefore there is much less documentation and red tape to deal with vs conventional financing.

We have a single family home, a small commercial retail building, and now we are pursuing a 5 unit apartment complex.

We’ve already sent her a formal notice requiring her to stop this behavior, and we are considering eviction if the problems persist.how can i politely let her know we cant rplace her heat because those are building heat standar, is not up tp me to add baseball heater. and she has to run he heat 24/7. and we are not add isulations to the unit. 

Just from the little you wrote, it's pretty heavy on the red flags. 60 days on the market (depends where this is whether that is a lot or just fine, but definitely overpriced at this many days) plus no sold comps.

(we should, but we are too busy doing all that!).

As an example, although we are “hard money” lenders we seek lower rate long term financing for our real property investments.