Youre with WAY too many options and decisions at one gulp.

I'm happy to chat about your options to see if we can get you out of this mess. 

How do others manage to create positive cash flow from MF properties with debt?

Have 3 loans to refinance in the next few years and DSCR's are added to the option list.

After 4-5-6 years then maybe roll them up into a small mulitfamily.Another option if you have the credit and some capital is to buy a 4 unit as owner/occupied and live in one and rent the other 3. 

My agent is saying that we are unable to split the contract that way (or reduce the purchase price), so I'm trying to figure out options.

I suggest your next lease have such a clause and that you make sure you can find the lease (but i have also somehow lost a lease recently).For where you are now, without a signed copy of lease i believe your options are limited.  

If you want more detailed advice, I can provide it.You BEST option is to contact a bankruptcy attorney and find out your other options.

I’ve worked with a few tools for property intel, and while no service is 100% accurate, some options have stood out for specific use cases:BatchLeads: They offer a solid skip-tracing tool with good accuracy and detailed reports.

If I wasn't able to get the cash together, using a private lender would've been a good option.