I'm hoping this forum can help me understand what my alternatives are.

To do this, you would use the underwriting and loan requirements provided by your loan purchaser, which may or may not align with your current criteria.

My tenants Lease Agreement expired May 2023, putting them Month to Month, is this still applicable?

However, as many will tell you on this website, know your market so you can be more critical when looking at the pro forma.

This higher rental demand drives up rental rates.

Hopefully this is useful for your purposes.

I’ve not used them (Stessa is working for me) but I’ve read positive things from others using those as a DIY book keeping solution.

I’m not 100% sure if this is what you are asking, but if you put 10% down at purchase you probably still have about $360k on your mortgage.

I have done this few times and then compared the sold price to my numbers.

Purchase price: $271,000 this is the first property I bought, I put 0% down on this, it cashflows me about $350 a month. this property was a good investment, and I think I got lucky. my real estate agent found this for me as it wasn't being sold on market. truly a gem.