Additionally, I have $100,000 in cash in the bank, and my monthly expenses for my home and family are around $3,500.My wife earns between $100,000 and $120,000 from her W2 job, while I've recently lost my job but found a new one that pays $65,000 a year.

Plenty exist for private lenders (which is what seller financing is) and can track payments and am tables and also do automatic electronic withdrawal (ACH debit) which helps improve the likelihood of getting paid promptly each month.

Keep detailed records of income, expenses, and improvements, and choose the right filing approach based on your comfort level with these rules.This post does not create a CPA-Client relationship.

My suggestion to improve your cash flow is to find another bank/lender.

I lived well below my means, worked a full time job for years while doing this on the side, persisted when others did not... and now I am enjoying the fruits of my labor.  

We're improving units, management efficiencies and bringing rents to market value.

In return, they will be motivated to get a job and pay back every dime owed while lavishing you with praise.

Better education and training might be one way to improve the situation  Damn, sorry to hear that.

Long story short, his crew blasted through the job in a few hours and the clearance test failed.

They did a great job.