Based just on your DSCR calculations, it appears this property is significantly under-performing, or if it is operating well, then it is significantly over-priced.If your plan is to reposition the property, then you need a bridge loan or private loan to acquire and manage the property. 

I’ve been working on building relationships with hard money and private lenders instead.

After a few of those deals you can negotiate with hard money lender or start raising private money with your new found credibility.

And than video, should always have a walk through video tour, a decent one, not some shaky running around spinny spinny thing.

If you're that concerned, request to tour their current home and see how they keep it.

Hey @Vincent L SanchezI sorta agree with he 1st one, best bet is to find a partner that will jv with you. and If you'd really like to go for a private money/ hard money loan, that partner must have good experience and credit which can also be included in the loan app.  

Investment Info:Condo private money loan investment.

I know the process of touring houses, getting home inspection, researching market rents, looking for tenants, screening tenants, etc takes up a lot of time.

It is similar to using a private lender to get in the game.

So hence the question is do I call my insurance company or handle it privately?