@David Roy GriffinBeen in the call center industry for 16 years holding different executive positions (even in the Philippines), so I can tell you this is not a good option for a number of reasons.1. 1,000 names will never bill enough to cover the call centers "hard costs" (training time, dev time, QA, overhead).

I'd go with the second option. 

Hi @Pat Leri I think those do seem like your best possible options.

DSCR is not necessarily a better option in this case, they still need a solid collateral even more so as the building has to qualify more than you do. 

You will then have a few options with that rent money....you can put it into principal or you can start saving it to purchase yet another property.

I have lender financing options: 75% LTV, 30yr fixedA common strategy is what you wrote.

I have a few options:1) raise the rents without touching the property (cash flow could then be around 1,500$/month 2) update the units (estimated 50,000$) and then (cash flow around 3,000$/month)2) update the units and do medium term rentals (cash flow around 4,500-5,000$/month)I'm also having trouble kicking the current tenants out with how bad our housing situation is as well as homelessness.

I think both are good options and I'm very happy that I started using these online algorithm based studies. 

You think they are going to create an option of "I'm stuck in my relationship and not filing for divorce cause financially we're screwed."

If you don't have access to the MLS, I've found that Prop Wire is very good for running comps since it has option filters that will make your search easier and faster.