I wouldn’t go as far to say it’s a scam, but the amount they’re taking as a cut is unheard of in the industry. 

My gut says I need to cut off of this deal,  but curious to get your perspective.

Identify the biggest losses and cut those with as minimal a loss as you can.

So many LOs were preaching mortgage rate cuts, this time around, and now I am seeing rates still the same, if not even slightly higher than what they were a few months ago. 

Microsoft Excel, and most budget or free online bookkeeping isn't going to cut it in this situation.For the rental properties you own directly, I often tell clients and prospects that a P&L in Microsoft Excel is just fine and a balance sheet is not necessary for tax purposes. 

Anyway you cut it they will all want a washer/dryer. 

A 1,000 sq ft cabin when you have 300k into the lot just won't cut it. 

With the amount of losses you have had it might be a good time to try and offer a Cash for Keys deal for the tenant to move out and just cutting your losses while there is uncertainty about what is going to happen in 2021.

Many companies will be lazy/cut costs after they have a large enough customer base.Currently Dataskip.io is the best. 

Some lines they will say have been "cut" but they put in a disclaimer on all sales that they don't know if a line might be cut.