With this in mind, if you intend to leverage short-term debt (hard money), it's even more vital that your underwriting is thorough and that you have the correct systems in place to tackle potential issues.

Supposedly they have had a deal for me in Florida that has had title issues that has been holding it up from closing.

Apologies if it is long, but I have been going back and forth on this issue for a while and would like some input. 

But in reality, holding on too tightly limits growth, causes burnout, and actually costs you money.Why Letting Go Helps Your Bottom Line✅ Frees Up Your Time – Instead of handling every single tenant issue, you can focus on strategy, acquisitions, and big-picture decisions.✅ Allows Specialists to Do Their Jobs – A leasing agent will lease faster than an investor juggling 10 different tasks.

Amongst other issues selling will cost you at least 6%.

These are being issued by local "nonprofits" who are mass emailing landlords pretending to be section 8 tenants.

I'm curious, have you run into any insurance issues? 

I was wondering if anyone has these same issues in their market, and how they've been able to skirt the mania and actually find real serious deals.

borrower has an issue and cant pay on the first.

First off, pardon me if I misunderstand things given the limited amount of information I have, but there are 2 things right off the bat just from your description that could be contributing to your issue: 1) a 2nd floor unit - I had a similar setup for a duplex I owned in St.