Just one additional option.  

Most on the other hand are not responsible individuals, are not educated, do not work  which means they are going to be spending most of their time home causing additional wear and tear.

In addition, the gas bills have shut off notices and are not being paid. (3 units are occupied and utilities are all paid by owner).

It looks like there's an additional day of interest in their calculation which checks out just fine.

How do you finance the tear down do you add it to construction?

Additionally, how many calls does it typically take you to successfully close a deal using this approach?

If you are looking to refinance the rate and aren't concerned with taking additional equity out on your property, then you should use a rate/term refinance.

Additionally, the funds they deposit might be significantly higher, and harder to recoup, hence they have the ability to close on a deal the lock up if they need to.Thats a good point.

After that's under control, focus on increasing income through additional work at your current job, taking on a side hustle, or finding ways to increase income on your existing rental.At the same time, educate yourself.

I'm currently renovating my rear unit and it has the perfect layout to split into 2 units by adding a wall and an additional front door.