The trouble I am having is there is no comps to look at in the immediate area, so I just took some comps that were miles away up further north, and subtracted a little bit since the area was located near more desirable restaurants and shopping. 

Sadly there’s no good solution in the Poconos right now.

No real risk beyond just the risk that goes with having any stocks or bonds. 

No, do not want separate applications just looking at all options.

Obviously, based on my relationship with the company, I'm not unbiased, but most people here on BiggerPockets know that I value my reputation above all, and when I agreed to join FTF as an advisor a couple years ago, it was because I was very impressed not only with their business model and underwriting guidelines, but with the CEO (Matt Rodak) and the rest of the management team.I have no requirement to invest my own money on the FTF platform; I do that simply because I like the platform, like the deals that are being funded and find the returns to be nearly as good as the private lending I do, but without all the overhead. 

Our last tenant checkout out on April 22, 2023 and I've had a few inquiries but no solid leads. 

It's no guarantee but it's a good place to start.

What if you show low income on paper is there still limits, it seems almost as if someone making minimum wage or even no income could buy a million dollar property otherwise as long as it showed a net positive to their DTI?

I researched it as well and found that they were NO cheaper than site built but much faster to have rented out.

You have a fourplex worth $500,000 and you have no mortgage.