NONE of these "ands" is a guarantee so it mathematically is incorrect to call it a numbers game.it is NOT a numbers game.The harsh reality of the matter is you need to think, and stop accepting opinions from others just because you want them to be true.

Perhaps, it is best that we terminate the lease because I can’t continue accepting late payments until the lease is up.  

Thanks so much for your help in advance Short answer is yes there are no income products and or stated income products you could utilize till you eventually start filing an acceptable form of income to qualify back for full documentation loans again (eventually).

I'm renewing my LOC on one of my rentals with a local community bank through their commercial banking dept. They want 1% origination points plus a bunch of other usual fees like title work. They already did the title ...

I would recommend that you screen your tenants and have them complete a background check with a company of your choosing and not just accepting Zillows in house background check that some of the tenants already have.

Any special lenders that you were using that accept foreign nationals?

The appraisals that are submitted to us by borrowers “hoping” we will accept them are often performed by “state licensed” appraiser who do not hold the MAI designation.  

I don't have any restrictions on pets with the exception of 2 things: no dogs under the age of 1, and breeds listed on my insurance policy that are not accepted. 

Yes they will only accept exclusive agreements, nothing else was acceptable.

Reach out to a few, see who you like and see if they are accepting new clients.