This is not true but many people jump on expecting to use their skills in these areas.Their UGA financing network is a huge gray hole.  

When I lease a house I apply all funds to the deposit first if there is a shortage (something I have only rarely allowed).

Hello @Willie Walden  there is not a shortage of property management softwares out there that is for sure.       

I'd use your real estate knowledge to help them find their own house, their own financing (when they are ready and their credit has been repaired), help them develop a financial budget and give them the skills to succeed.

Most of the issue is lack of experience but I suspect now it just isn’t the right time to be a small scale Developer, at least for a newbie.Labor shortages, hiking land values, expensive construction, hostile regulations. 

It's not easy and there are deals out there but it really depends on your skill level.  

I think building out a strategy and thinking about what you want to do moving forward is a great starting point because it doesn't seem like you have a shortage of options.From leveraging your existing HELOCs, opening a new one, or fully refinancing your property that is paid off, it feels like the biggest concern I would have for you would be 'paralysis by analysis'. 

This, like many skills, is perfected through preparation and real life experience.

A shortage of hotel rooms as well as full time rentals put occupancy (60-70%) and rents on par with other islands. 

Otherwise we will end up in January with half the portfolio owing)Success in Toledo depends on your management skills (tenant, contractor, buyers, vendors and business in general)...in my opinion you can play the patsy in any class neighborhood and and up with a failing investment.