He did all the rehab in the beginning when he bought the house, that's why its now in a stable cash flow condition. 

If your PM is only on Zillow than you selected the wrong PM, they are classified as a BOOB...Shelter is a necessity of life and there for it will rent but it will often come down to price and/or condition.

For holding vs. flipping, let your goals and market conditions guide you—flipping can build quick capital, but holding offers long-term gains.

Because a 1031 is only available for a property you are using for investment.Here's the conditions.1.

Long story short, I am in a bad financial condition as of recently.

The fees and conditions also can differ a lot, so you should try figure out first what kind of apple do you want (DP, LTV, rate) and then bring them to an apple-to-apple comparison to see which one gives you what you need for what cost (instead of accepting all the fruits that are on display from each different DSCR provider).  

They offer a rate lock only after going through the whole process (appraisal, credit, conditions etc..) for 15 days.

Rarely are they in decent condition.

But most pricing is a function of recent comps, adjusted for the subject property by size, condition of systems, and aesthetic qualities. 

Without tenants it's easier to show the property and the condition can look better than if tenants have their stuff everywhere.