I sympathize with her situation and has been trying to find a solution that works for both of us.

They bid up good properties to numbers that ruin the deal, but economies of scale, reliable contractors, and REI experience makes it work for them.

I've been reading other BP posts and keep finding that people in Philly are having trouble finding reliable contractors.

Also, you may be near the top of a market cycle which increases your downside risk.The solution is to be “Market Agnostic“ as I talk about on my podcast and articles all the time.The country is large with over 400 major MSAs.

Reliable, timely, cost effective and responsive 

Demonstrate a reliable credit history, etc....I hope this helped! 

It's rented out pretty reliably--no issue getting tenants. 

I'm in the brainstorming stage.Do you think this method can work, or do you have another creative solution for this?

Looking for a reliable and well established property management company in Middlesex County in NJ that is reasonable and handles tenant rent collection, issues/repairs/emergencies as well as inspections and ideally some legal coverage.

But, the best solution I came up with so far is to just calculate the numbers with the commercial loan then add the $405/mo as an expense.