In its current state, the grading will bring water towards the foundation which will lead to a wet crawl space, mold and fungal growth, and possible property damage.

While there are some very real educators out there, there are a lot more people pedaling education as lead generator for the educators own business ventures.

If an operator had debt locked in, who cares what the value is if you aren't selling.

Refinanced into long term debt.

Taking the market rents, accounting for a 10% vacancy, the debt service, PM fees and everything else, it seems like I should be able to cash flow about $600 for the 4 doors combined.

Which leads us to 33-  Assault on property rights.  

80 LTV should be doable as long as it's debt servicing.

Our mortgage is our only debt.

A debt relief company is probably your best and most cost effective option. 

Unseen, I take the helm at night,Assuming debts without the light.The creditor remains unaware,That obligations shift elsewhere.A stealthy move beneath the moon,What method makes the shadows swoon?"