I think the only way to really combat these higher interest rates right now is to get better deals upfront on the homes, which now we have more ability to do. 

@Debbie Lee As others have mentioned I would definitely dispute all of the CC charges with your CC company as fraudulent charges, based on the company not providing the promised service/product.  

Of course the likelihood of being audited is low but if you were ever audited and it was found that you had make fraudulent claims there are endless amounts of repercussions to haunt you going forward.

Median Price change: PositiveEarly 1990s recession: The result of the Fed’s rate hikes to combat inflation from 1986-1989.

If I file in Small Claims Court- in Oregon- would the Statute of Limitations apply to the fraudulent "vacate" date of Sept 19th or the actual date of discovery of Dec 21st?

Since the Fed stepped to the plate to combat out of control inflation though, that situation has really changed.  

I have two rental properties One with a $5400 mortgage payment with $6600 in rents coming in after expenses ($1,200 in profit)Another with a $2000 mortgage payment with $3000 in rents coming in after expenses ($1,000 profit) The underwriters are trying to tell me that the $5400 mortgage and $2,000 mortgage counts against my personal expenses but all I can use to combat these expenses is the profit I make from the rents after paying off the mortgages ($1,200 and $1,000)So my rental income looks like a complete loss on paper even though I’m fully profitable .All they keep telling me is “well we have to go off of the net profit” and I repeatedly told them yes that is the net profit after said mortgages are paid off from the rents.

Just to be clear I don't mean this to be combative at all. 

I agree with Wade, a DSCR loan and lender is a benefit to combat a high DTI

In regard to the issue of habitual late payers, I think there are few ways to help combat this:1) Tighter screening criteria.