I am thinking several options. 1.

They will come up with similar options anyway. 

I also wanted to share it just in case somebody else is struggling it’s OK to struggle everybody makes mistakes and even when you lose everything I mean I was sitting there in March 2020 with a huge lawsuit I took about 150 grand put it into options and lost that too. yeah that was pretty stupid.

I am not sure if this is the right place or not but I wanted some input into any obvious issues with my lease option offers to the tenant buyer that earns plenty of income but doesn't have the cash right now and wants to improve credit before purchasing but would like to lock in the price as our market is still struggling with inventory. 

Fractional investing options include real estate crowdfunding platforms like Arrived and Ark7, or real estate syndications for potentially higher returns.

We plan to utilize hard money but I am interested in opinions for other options.

What would be the best and smoothest way to transition the tenants to a different payment option?

I currently live in New York but I am currently exploring the options of investing in a small multifamily property.

You may find them excited about either option.

If you proceed with optional Repairs/upgrades you will likely bust budget (hopefully not as bad as we did), but should have years of trouble free service.