(I realize there are alternate structures - this is how we are doing it.).

Alternatively you may decide not to address the capex but be prepared to deal with high frequency maintenance requests with duct tape repairs. 

Alternatively, consider increasing rent or reducing expenses to boost cash flow.This post does not create a CPA-Client relationship.

Another good alternative would be Bonita Springs, just on the North side of Naples, or Cape Coral as I mentioned above

To me the cost of purchasing cash flow is too high, better off being cash negative 2) alternate rent models: mtr, str, rent by room.  

Is there an alternate source of heat?

You can do whatever you want in terms of bending for the tenants and trying to provide "great service,' but the truth is you receive no credit for it and will be the evil landlord at the first repair that takes too long, late fee owed, alternation denied, etc.  

Gradually raising rents, exploring lease buyouts, or selling with tenants in place are balanced alternatives.

An alternative investment would be a doubling every 7 years

However, there are lenders who offer more flexible terms or even no prepayment penalties, depending on the deal structure and your investment strategy.To find such lenders, here are some options to consider:No Prepayment Penalty Loans: Some lenders, often private or portfolio-based, offer DSCR loans without prepayment penalties, though the trade-off might be a slightly higher interest rate or fees.Yield Maintenance or Defeasance Alternatives: Ask about other prepayment structures like yield maintenance, which can sometimes be less restrictive depending on market conditions.Custom Terms: There are lenders (like us at Phoenix Funded) who can structure loans tailored to your needs.