I know I've practically become the Digital Mayor of Sacramento here on this site lol, but if you buy now in 2 years your property will be worth 11-15% more and rents will be 18.5% higher.

There are two books that everyone needs to read to learn to communicate with everyone you have contact with.How To Win friends and Influence People In the Digital AgeNever Split The Difference.

Before you know it, at the rate you're going, you will be so far in the hole when you eventually sell (if you have anything left to sell), you will have to pay your buyer at closing.If this was Poker, you'd be the one playing with a terrible hand, but insisting on throwing chip after chip into the pot, with the rationalization that the more chips you have in that pot, the more you have to lose, so you have to stay in that hand so you don't lose it. 

Hard Money rates from direct lenders like us are in the high single digits and low double digits which 10 years ago was unheard of.

I think I found someone, but may be getting in touch with one or more of the people mentioned in this thread as well...If anyone who posted above wants a digital copy of any of my books (PDF or Kindle), shoot me an email to the email address in my sig!  

The primary negatives of hard money (my opinions of course) are that they almost always require multiple points and double digit interest rates, at least for first time borrowers.  

No digital files of tenants on computer so no issues there, but that's just me. 

Let them know if they do not hear within 2 business days what the plan of attack is then they can email you directly @ _______.And add something similar to this clause (I created it after a 3 am “I’m locked out of my digital deadbolt because I’m too drunk to hit the buttons right” call.... use at your own risk): The Tenant covenants and agrees to pay $125.00 for any non-emergency phone calls after 8pm during weekdays and $250.00 for any non-emergency phone calls after 8pm on weekends or holidays.

@Austin Hughes, I would actually force your vendors to set up digital payment methods.

Instead, I currently use Schlage's keypad locks on my units so that I can still create and delete passcodes....so the tenants never receive actual keys (I keep the physical override keys) but it does require a person to manually change the 4-digit passcodes.