The way u see it, I can wait until lease ends and non renewing, or I can offer to the tenants somehow.

Lending home Is cool u just give them your vesting's and they pull public records nationwide to verify you actually bought and owned it in that entity.. very easy really.. and I always suggest folks .

Question for all is can u help me find other hard /private lenders in New York area ??

I have not seen rents in those brackets drop much if any what I have seen is them go hundred % vacant and cant refill them because construction came to a screeching halt and the laborers left and many or most laborer's are tenants.. this played out in PHX  AZ   Vegas NV   FLA  GA  places with uber new construction .. when it stopped so did the jobs.this is all dictated in my mind on JOBS.. you have jobs you have rent stability jobs or economy falters people start moving in with relatives or they simply up and leave and go somewhere else.. there is a reason U haul is a billion dollar concern. 

That being said, the U of M does drive the demand and Normal station will always be a very safe place to invest in.  

If not what do u like to do and what could u foresee yourself doing long term?

To everyone who answered thank u so much for taking the time and your honesty.

If so, what insurance is needed.https://www.geico.com/information/aboutinsurance/u.. 

Commercial heloc on rental property is tougher to get plus as more property u have the more reserve is required, the snow ball effect becomes tiny ball.

I have networked on here and within my sphere of influence and have found that U S Bank is very competitive and very hungry for real estate opportunities.