Renting the entire property comes at a flat rate of $1500.We've received interest from a female nurse specifically for the master bedroom, but she prefers not to share the space with a male tenant.

@Cliff DurrettIn some instances the first will take a discount to give the second some money, but in this instance they are so underwater I don’t think the second will approve this as they are basically getting wiped, and they have much higher BPO’sAlso be aware the lender may satisfy the loan but not release the debt, meaning they will allow for short sale but then get a judgment to have the balance of Debt validated and still owed

You could probably just do a long term loan instead if the repairs are not heavy with a better rate and fees. 

I've been with an insurance company in CT, since I started my rental portfolio, but am looking for other options as it seems their rates have been going up and up. 

They're all going to use NOI/PITI, but you'll experience a range of DSCR requirements which will directly affect your max LTV and you'll also experience a range of rates.

I have each unit in the building with a unique rent rate, so even if the tenant does not have the teller enter a note with the deposit (they often do), I still know who the rent payment is from based on the amount. 

Folks get caught up on losing their interest rate.

However, despite several months of searching, I'm struggling to find properties that break even, especially with current interest rates.

You can get a discount with your bigger pockets membership, which helps a little.Definitely haven't heard over had any issues with bounce payments.

Obviously you want to pay attention to your interest rates, cost of appraisals, and fees for refinancing.