While I understand the risks associated with investing in areas unfamiliar to you, my budget forces me to do so.

Go over their head to their commanding officer or the district attorney.

I've included an example below to help illustrate this.So different lenders have different rates (which do vary even for DSCR loans) but these are factors they all consider.See example below:DSCR < 1Principal + Interest = $1,700Taxes = $350, Insurance = $100, Association Dues = $50Total PITIA = $2200Rent = $2000DSCR = Rent/PITIA = 2000/2200 = 0.91Since the DSCR is 0.91, we know the expenses are greater than the income of the property.DSCR >1Principal + Interest = $1,500Taxes = $250, Insurance = $100, Association Dues = $25Total PITIA = $1875 Rent = $2300DSCR = Rent/PITIA = 2300/1875 = 1.23If a purchase, you also generally need reserves / savings to show you have 3-6 month payments of PITIA (principal / interest (mortgage payment), property taxes and insurance and HOA (if applicable).

Any individual PM (not associated with companies) who can handle 3 doors in Jax and Citrus Spings, fL

We know they’re hard working and would like to continue working with them rather than move toward foreclosure, but we know they’re in over their heads if we continue under the current terms of the mortgage and don’t want to set them up for failure. 

A common misconception is that real estate properties under $1M have a smaller tax basis and therefore do not benefit from a cost segregation study due to the associated fees.

Still, my soft heart left my head feeling pretty rough, like a "failure".I don't think with your experience and 17(!)

We've been head down for 5 years getting started with this portfolio, just starting to become an evangelist for sober living now that there's some proof in our business that it's impactful and profitable.

For most investors, purchasing a room condo makes no sense due to all of the associated human element risks.

Everyone associated with living there and/or paying for the unit goes on the lease.