It's also more affordable than Bergen County NJ, where we live now, and is still within driving distance (though it’s a bit of a trek).

Moving inland, Dover presents a more affordable option with rising demand for multifamily units and a steady rental market, though its short-term rental potential is less robust than coastal towns.

Once you have a good understanding of what you can afford, reach out to your landlord in a friendly and casual way.

I would include servicing costs of the loan and licensing costs.

I don’t need help often but have had good luck with customer service when needed.  

The income doesn't really cover expenses plus debt service. 

I would talk to your servicer to see if they can assist you. 

Housing is still affordable compared to other markets, which keeps renters and investors coming.

Either can work, propstream will be more affordable

For example if you think the house is worth 200K fixed up you need to pay 100K to afford the hard money loan and rehab budget and still have a profit.