This is the max it seems most "A" lenders will loan too, I might get 50% from a credit union but that still probably not help in the short term.How do people keep going?

Quote from @Morgan Leiviska: How I would build this database for you would be to connect with people at local meetups that you find.

A good tenant is more than just a rent check—they should respect your property, your rules, and the people around them.

As far as PadSplit, you'll have to check city and county laws concerning the number of unrelated people allowed to live in a house. 

These homes are what most people picture as “home” and lend themselves well to coliving strategies.

I think the future is bright for the area, many young people are moving out of the city, and Kingston is the getaway to the beautiful Catskill area.let me know if you need any help.

There is a lot of work involved more than most people think in most real estate deals,

Think about what would make your rentals more attractive than what’s already available—whether it’s high-end amenities, themed experiences, or a community-focused approach.If you’re open to chatting, I’d be happy to brainstorm ideas or connect you with people who have experience in this space, only know a few but happy to make any intros I can to help you out. 

She will get a nice surprise next week when I show up at her door to (a) announce that I am her new property manager and (b) notify her that I will update her information with the collection agency she's been hiding from.Screen your applications, people!

This is a great place to learn and to connect with people so take advantage of all the great resources.