Now that fall is approaching, the peak rental season on the Gulf Coast has passed.

The lender is now the barrier of entry of their risk appetite and they'll need you to gauge if it's healthy or not-- it's not your job, but there's too many headwinds for them not to do that.

Can try to reposition to Class B, but neighborhood may impede these efforts.Vacancy Est: Historically 10%, but 15-20% should be used to also cover tenant nonpayment, eviction costs & damages.Tenant Pool: majority will have FICO scores of 560-620 (approaching 22% probability of default), many blemishes, but should have no evictions in last 2 years.

I'm in urgent need of some guidance on the best way to approach this matter before pursuing litigation. 

I'm no expert by any means, I've just spent time trying to understand the approach. 

I have more of a legal background approach.

@Mei Zhu A lot of investors look to the kitchens and bathrooms as areas to save and I believe its the wrong approach.

I’ve done this method once before, but this time I’m a bit torn on the best approach.

We are approaching 100 guests, if we haven't surpassed it already, and only 1 of them was an issue that required AirBnB to get involved. 

Work with your Solo 401(k) provider and they should be able to assist you with properly approaching your banker so as to get results.Alternately, you can choose to work with a bank that already has trained staff on this topic such as Solera or Titan.