I would also recommend doing your due diligence on the new lender, and make sure they are not just a salesy loan officer trying to win you over with term sheets that don't exist... 

I recommend you personally talk with each of your tenants and ask if this has been happening.

I saw two recommendations to attend the local REIA.

I strongly recommend you suck up that $180 yourself and fix the underlying problem.

I recommend you do it yourself, @Helene Zernik.

I would recommend checking out Northwest Florida (Crestview, Niceville, Destin). 

I always recommend that you have significant cash before buying as real estate is cash intensive business

There are some markets that will write both together and if affordable, that would the way I would recommend going.   

If you feel passionate about managing them yourself, I'd recommend getting as much done and communicated up front.

I'm having a hard time finding any estimating tools for this kind of a project, adding a story and multiple BR/1 BA, and wondered if there were any tools, sites or recommendations any of you have for this kind of a project.