Additionally, I am seeking advice on how to find an out-of-state partner or agent.

It’s simple/cheap to execute and makes filing for taxes easy for them because it’s just an additional 1099.But, I don’t love that they’re all in different positions, or that their names are now attached to the title report.

I agree with Adam that there's not enough information here to say who is at fault.If you are spending all your income on maintenance after three years, then I would say you are being cheated by the PM or you bought a real dump.Personally, I would suck it up and find an expensive, but reliable, contractor to visit the property with me and make an assessment of what needs to be done to fix the property and stop the bleeding.

I’m being asked to provide 12 months of cancelled checks in addition to a lease to prove that I’m renting.

Maybe agreeing to a % from the sale of each home in addition to listing the homes once the construction starts?   

as Update to this post from 6 years ago, there are heloc's on owner occupied 2-4 unit properties up to 89.90% CLTV or combined loan to values (meaning multiple loans but all together not exceeding 90% of the value).Terms typically areinterest only first 10 years and drawable from the lineyears 11-30 its Principal and interest payment Prime index/rate + margin (this portion is fixed but prime is not)underwriting is done assume prime + margin + 2% stress test for underwriting meaning if your prime + margin was 10% then your underwriting rate used to determine your maximum line you can qualify for would be 12% rate as an example based on principal and interest payment over 30 years or 360 monthsIncome is the main determinant of your qualification and fico min 680+ is just the min score to get through the "front door,"Maximum DTI or debt to income allowed is 45% DTIMaximum lines on this product go from 500-750k so you can get a decent line size that can actually buy other BRRR's or fix flips and deals.

In addition, because their rent is high tenants don't stay as long further increasing the vacancy time by increasing the frequency of turnovers.

I never applied for a Unit that big and was wondering if I should try to get a loan (even though I don't get much income right now). and if how what is the process, is there a way to get the loan without putting money down, etc. the only reason I am asking this is I have no experience in this and it practically me jumping from one house to a 14-unit and am trying to figure out if this is a right move. 

If this was a 5+ unit multi-family where the income approach were driving the value then the history of rental price etc would be more important.

The rental income of $4,400 looks very high for the overall value ($250k) of the property.