I will not hold anyone accountable for the advice I consider or actions I take, hit me. 

DTI is a common challenge that we all face, however, it sounds like you need a lender that is going to help you look at the overall situation and give advice as to the best course of action.

You just have to actually start taking action.

ProForma showing the spread and the deal and offer equity share and how the ROI will work: payout.I put together deals in an email so all the investor does is click, see, and then decide to take action or not.Follow up is IMPORTANT. 

If they have actually proved mold (highly unlikely) the next step is to carefully evaluate their report and see whether the tenants actions/inactions may be the source of the mold...

If you want your rental to be successful, you must continually educate yourself, have strong policies and procedures, and be prepared to take action against bad behavior.The best thing you can do right now is start looking for a professional property manager.

So knowing the obvious, that such a thing takes an industry some time to adopt into it's actions. 

Let the experts handle it, you are going to run into sensitive situations and will stumble upon a professional tenant who knows how to sabotage a landlord. 

I have reached out the the Mayors Action committee and one of the VP's of Citizens and I am waiting for a reply.

There are quite a few action items  most real estate investors fail to implement that are far more helpful with respect to asset protection than merely creating an LLC.