You can always leverage rentals within their ability to service the debt. 

Here's the breakdown of rental income and expense analysis:1.Annual Gross Income: $25,800 (Monthly rent of $2,150 x 12)2.Annual Expenses: $25,800 * 0.40 = $10,3203.Annual NOI: $25,800 - $10,320 = $15,4804.Annual Debt Service: $10,680 (Calculated previously using a mortgage calculator with a loan of $131,775, 7.25% interest, and a 30-year term)5.DSCR: $15,480 / $10,680 = 1.45 (approximately)

What I take some issue with is the techniques that guru's use to up sell and so on .. and they do nothing to qualify if the person paying them if the program does not work they are now into debt to the eyeballs and so on but then again who are we to say at some point.. think of  Hewlet and Packard they went into 15k worth of debt to start HP in late 40s or early 50s and that was a ton of money then :)

Related damages:When tenant took possession, the living room had a vertical blind set apx 70” long (covering two windows.)

Not only was my market timing great, but I sold my less promising buildings and used the proceeds to pay down debt on my long term keeper properties, which have higher end tenants and are thus more stable and much easier to manage.

.___ Demonic Possession.

Ultimately it will depend on the property (banks perform stress test-debt ratio)-but I think 5 year term is what I found so far.

Also, do you have enough equity that if you sold one you could pay down most of the debt on the other 3?

Eliminate debt, establish a budget, and save.

The main factor is will rents cover the debt liability and can you sustain 3-4 months of no income to cover the debt?