Maybe if we get out of this mess we will start to wise up a little.I believe it was Winston Churchill who said, “the American People can always be counted on to do the right thing after exhausting every other possibility.”

Maybe more.Most people would be "reasonable" by hanging a line in the laundry room and drying clothes old-school when all reasonable efforts to replace the dryer and stay safe were exhausted during a global pandemic.

Over-index on your ceiling exhaust fan to ensure you don’t have moisture and mildew build up, particularly since that window above the bath’s inordinately undersized and has a small shelf on it that just begs tenants to store leaky shampoo bottles that leak into your walls or collect moisture from the shower. 

That isn't as exhaustive a list as it could be, but I would like to know what you folks think I should do about it.

Most of my tenants were law students and they had the money, they were just exhausted.  

Before you do that, install some passive roof vents or an attic exhaust fan on a thermostat switch with a passive intake on the other side of the attic.  

One other point of clarification:  An exhaustive guest waiver does not relieve the property owner of liability. 

.;- Experience (# of investment properties sold, or comparable projects completed within a given timeframe, like the last 3 years)- Credit score (generally the higher the score, the lower the rate available)- Leverage (LTC/LTV - generally the higher the leverage, the higher the rate)The above list is by no means exhaustive, and the elements will vary by lender.With that said, typical short-term HML interest rates right now are likely to be somewhere between the high single digits, like 9%, and the mid 10's, like 14-15%.Also, HMLs typically charge a couple of origination points.(3) Lastly, are there other recommendations from the BP brain-trust that are all welcomed and thanks in advance?

I'm biased toward brokers because I am one.Reaching out to several DSCR lenders will be exhausting, could damage your credit score because of multiple credit pulls and subsequently cause you to get a higher rate/lower ltv on your loan. 

If you have exhausted all your options a 4.5% is not bad I think, you can pay your original investor and you own the property.