Working with a mortgage broker who specializes in investor programs can be helpful for better terms as conventional loan product lenders generally don't have the best DSCR terms.More info on DSCR loans: DSCR loans won't use your income to underwrite the loan.DSCR loans are based off of down payment, credit score and either actual or market rents so it helps to supercharge an investor's real estate goals and net worth.

Pull off the Band-Aid.

**“Kendric, first off, you’re already ahead of the game with your willingness to learn and adapt—plus, having a ‘mishap’ fund shows you’re planning smart! 

Plan my next day 6 most important tasks - I've been on top of this, but still a challenge to get them all crossed offPlus, most importantly, we have 4 projects here in Chicago we are working to bedone before the end of the year so we can start some new projects off on the right foot!

I've seen numerous QI's fail during my 40 years in the business, and most of the failures would have been prevented had their been government oversight. 

Basic q - do I have to liquidate to pay him back in cadh OR can I use the stock to pay him off?

There are just numerous variables and calculations you must analyze to check. 

People carry too much debt and even if the debt was forgiven or paid off, incomes don't match affordability. 

Are they way off, or could they actually be right?

Just look at what they are doing in CA they are ripping vines out left and right.. younger folks dont drink wine like us boomers.