Our expenses have gone nuts and we aren't able to, or ethnically able to push rents fast enough to break even. 

Hope you got a discount on the purchase price due to the tenant past due balance and didn't get suckered into paying full price just because it has an S8 tenant:(You may also want to push your PMC to send the eviction paperwork to the S8 caseworker, so hopefully, they take away this tenant's voucher!

Some insurance agencies may push back or need to insure for slightly above ACV, but you will still be saving a good bit going that route. 

Take a look at either your Retained Earnings line (if you're reinvesting cash into the asset), your Shareholders Equity (if you have partners and are pushing out K-1's, at the end of the year) or Owners Equity line on your Financials, you will clearly see what I'm talking about, the financials don't lie unless you're cooking the books or doing them wrong.

Not owning the land limits loan options even further and pushes rates higher.

Oh great, so we got a social media trend of pushing people to squat in other's homes? 

I owe a lot of my success to that college roommate who was tired of renting -- without his push I would have never been exposed to this world. 

I pushed back sighting the BP rent estimator and rentometer having high confidence of a median range of $1300-$1700.

This is somewhat more risky these days with the annual pushes by tenant activists for statewide rent control.   

I am in an area that is lacking in affordable housing, younger folks have been pushed out of Portland because of rising prices and it appears our city is pretty mobile home friendly so we'll see if it goes anywhere!