-We`ve said before that we are okay with smaller breeds dogs, and as to medium and larger size dogs, it will be up to the case/ open for considerations.

An insurance broker explained this to me in the past as the law of  large numbers which suggests if a a carrier has significant enough exposure in a market the probability of claims arising will be more consistent with probabilities calculated in their underwriting than a when a smaller sample size were to exist.

Hello colleagues, we manage a medium size apartment (73 units).

Not sure of size of unit, but have you considered smaller tanked units?  

Is 3bd/2bath(They are able to count, mine is 2bd/2bath with attic(due to slant of roof cant technically count as bedroom), Small deck.Same sqft, same lot size, 2 blocks awayComp 1 is the best and most recent sale.Comp 2-(Sold at what Im looking to list for)I was not in this house so I'm not as familiar with it. +100sqft. 4bd/2bath. carpet throughout house. 

Meanwhile if this is a single family home but is in an RM1 zoning district (as an example) you can usually get a use permit (number of units is based on the lot size).

Land zoning: L and XL lot sizes, only suitable for large, expensive homes2.) property type: single family only.

I do however agree with you that there’s no one size fits all approach and depending on the type of business that’s operated and location, the correct strategy may vary. 

Even if the credit card debt was $0, your DTI is way too high to qual for any new traditional/conventional loan until the units are rented.If youre going to keep this duplex, I'd focus on getting one of the units in service as fast as possible.It sounds like there is currently a decent-size lien ($7300/month) on the property.

There is no 1-size-fit's-all, it's about your personal "zen".