Quote from @Tina Lee: Thank you for all your replies, I got two different answer.

Thank you so much for your reply. 

Any reply's are great.

Thanks so much for your reply and advice.

This is common in California  Thanks for the reply.

A little late to reply here but...In most small resort towns (Vail, Breck, Telluride, Silverton, ....) workforce housing is extremely hard to come by. 

Thanks for the reply Michele.

Quote from @Andi Quinn: Thank you for your reply @Kevin Sobilo. 

Now, for the past week, they’ve completely stopped responding—no replies to my calls, emails, or texts.My tenants have been without a shower for a month, and the place is a mess.

@Amy KonopkaImpossible to give you an accurate answer without reviewing your tax return, so this reply is based on assumptions picked from your description.If your only taxable income comes from this Schedule C, I do not know how you would qualify for any loan anyway, even with a ~$20k profit after adding back depreciation.