I see you live in Neptune Beach, FL with almost 97% white and only 1.7% black; sure thats just a coincidence but this may be influencing greatly your perception and ideas of the world or apparent inability to comprehend his plight.

Note that the NOI doesn't include debt service and thus is not influenced by how one chooses to finance the property.

I have "influence"over to kids, one 17 the other 18 (knowing their mother!)

Hand written notes, small meetups, sphere of influence, investment webinars have always been my main business driver.. 

This is a large part of the problem, which we're hoping to correct or at least influence.  

Another great book is Dale Carnegies How To Win Friends and Influence People In The Digital Age.It is not true that investors are not loyal.

There are lots of reasons for pre-foreclosure situations so it’s helpful to know the influencing factors.

Some of them I've seen delivering impactful presentation influencing other executives and MBA's. 

Not sure if you have enough time, but you could even pursue a board seat to try to influence and change this rule from the inside.

Additionally, there has not been a lot of syndicators come up in this space, like multifamily and residential has seen with influencers peddling their master classes and consulting programs.I am glad you shared.