Trying to cut my losses as the borrower got all her unsecured debts discharged through Chapter 7.

Actually you'd never hit that because eventually the debt pushes you into a margin call and forced sell and you'd be at or near $0 in just handful of years at best. 

I was just about to get my credit card info for the course, when I thought to check BP forums.

They're the ones working with those agencies on a regular basis and have the best referrals.As far as recovering the debt, try leveling with the tenant as much as possible so they grasp the seriousness of being sent to collections.

Private lender will be close to a credit card interest rate for them to finance something like that.

@Keith Groshans, consider a real estate debt fund and reinvest the monthly dividends.

Two main reasons being: (1) debt does not increase your basis in an S Corp, which means your losses get limited.

The technicals (migration rates, job growth, tax situation, debt cost, etc) to work as well.

Tenants will prioritize their debts based on reprocutions. 

We receive countless gifts and thank you cards from borrowers all over USA.