I also told him in the first email that he gets the benefit of the doubt with me specifically due to the fact that he is a veteran.I also told him that if he did not pay rent, I was not able to cover both my mortgage and the mortgage on the rental property for an extended period of time, without enduring a financial hardship, and that it could possibly be foreclosed.

I had to endure several very tough years from 2008-2010 due to being heavily invested in lower-price properties in very challenged parts of Memphis.  

That being said NYC is the greatest city in the world, so it will endure.

I recently wrote a book about multifamily called The Perfect Investment - Create Enduring Wealth from the Historic Shift to Multifamily Housing.

Also, you ought to delegate as much of this situation and the remedies to experts so that you can focus on helping your tenants and their families during the next few months endure the hardship of winter and Holidays  in temporary accommodation.

If you can figure that out without enduring too much brain damage - you'll do extremely well. 

But obviously if you can endure the pain of managing the process yourself you can save significant money, assuming you're not on a clock.And to answer your first question, yes, you can download(purchase) plans from the Internet.  

There are alternatives that are significantly faster, but for rate, you've got to endure the process with a bank.BTW. 

This has been devastating to my family, and caused us more stress and heartache than anyone should have to endure.  

We bought as investors, so had to put down 25% and endure a higher interest rate than an owner occupant would.For a lender I highly recommend Bonnie at Rockland Trust; she recently helped my son buy a multi-family in Dorchester.