Another path might be a short-term solution like a bridge loan to fund your next acquisitions while holding off on a full refinance until rates or terms improve.Given your goals to scale rapidly, keep an eye on maintaining cash flow while growing.

Quote from @Renee Ward: In a quote for an umbrella policy, when I see it in writing it is labeled a personal umbrella policy with our primary home cars etc. 

I’d love to hear what solutions you use at your scale!

All this fancy mumbo fha guideline gumbo means is that your projected market rents assuming all units, if it were rented Times 75% need to be greater than what your monthly payment is  (PITIA = principal/interest/taxes/insurance/assessments monthly), other wise FHA will not lend at that loan amount so common solutions to this when rents are too low in your local market are to put more money down payment which defeats the whole purpose of low 3.5% down FHA doesnt it?

What are you talking about.All of the other investor-members above laid out an easy solution for a typical problem and also accurately stated that a lawsuit is unnecessary and won't work. 

Any time the tenant causes a problem, they should pay for the solution.

There are a lot of considerations and maybe not one solution fits all.Normally I say don buy condos for investment. 

if your doing a senior project I would suspect your best and most cost effective landing solution is going to be a local community bank that loves real estate.. in my experience most will want 50% down on the dirt and a ton of experience and a really strong balance sheet.Myself I always pay cash for the dirt this makes finding a lending partner much easier.

Who is offering a solution, or is there one? 

For instance, a worksheet calculator that you can depend on for accurate rehab numbers, a coach or mentor that has experience wholesaling whose brain you can pick, a curious, principled solution-based mindset, willingness to find sellers that are NOT on the market, and for good measure -- steal underpants!