If anyone has updates/chances please let us know  

River, I would love to dive deeper if you ever have the chance.

I think first step is to find legitimate comps that match and support your 130k valuation and dispute the report to give the appraiser a chance to fix the report. 

The sorry fact of the matter is, the chance of real estate operators or investors coming into the business to day making what I have is slim and none.

It's just not the reality.I don't know your wife's income so it's hard to know what you need to replace in order to let her retire but if you think you'll get her retired in the next year or 2....you will have a 99% chance of being let down.Becoming financially free, or not needing a 2 income household comes down to 2 simple factors.

If they’re late a third time, you have a strong case for eviction for habitual non-payment—without risking the tenant showing up at the 11th hour with the money.For your specific circumstances, with only a partial month behind, I would guess there is a decent chance they can come even on rent and it would be a waste of your time.

I have my second flip under contract and I decided to give Capital 360 a chance to finance this one. 

Other than that there isn’t much chance of doing a house hack where my wife and I currently are.

Was the 1st bank you went to NBI by any chance?

You will NEVER cash flow while living there but have a chance of cash flowing when you move out.