The appraisal was the longest hold up but the junior loan officer we were assigned seems to have zero idea what he is doing and zero sense of urgency...

I'm considering using hard money lenders or DSCR loans, but it seems like DSCR would be a bit complex.

Habitutal seems the better plan unless the amount owed to you exceeds what you expect they can pay. 

The barrier to entry seems high, and the price-to-rent ratio isn't very favorable.

Talk to house hackers because that would be a great way to start, but you are also advanced with money so you may find smarter options that act more like index funds (syndications).Yes I was actually looking at syndications that was going to be my next research topic that seems extremely interesting and powerful syndication seems like an awesome way to diversify without getting my hands dirty necessarily.

Seems like 21% or more as a ball park!

yeah the tenant pushing back is my concern. it just so happened that this happened with the tenant that seems to not like paying. and the heating is electric and this winter has been extremely cold which caused the electric bill to jump up to $800!

After a quick search it seems like Baselane is a good option, does anyone have experience with it?

Something seems very unusual about this.  

Knowledgeable of the Capital Region and seems to be working on awesome projects.