You can look into alternative refi options that don't weigh your income, dti, or credit as heavily.

I have used realeflow and It helps a lot, but I am also looking for better alternatives if there are any out there.

My belief is that the collective intelligence of forums like this one is a great start to get alternate ideas, especially in real estate.I mean, I see discussions of 10% coc return in these forums.

They alternate Worcester and Burlington every other month.

If you have the down payment for two and can get the loan, that is a great alternative to multifamily rentals. 

My alternative plan would be to LTR it. 

@Jonathan Lunai would recommend waiting till 2020. lots of landlord have not kept pace with market rents and just lost tons of equity based on proforma rents which was fueling the multifamily craze in southern ca due to rent control laws statewide.my two cents

I definitely wouldn't sell it if the alternative was to deploy the money out of state in a location that doesn't have upside appreciation potential. 

Alternatively, the tenant could simply make minimum rent payments throughout the year, and when the CAM reconciliation is performed, the tenant would be billed for the entire amounts, since they had not made any of these payments during the year.

Or perhaps this is the wrong approach and you'd like to offer an alternative idea on getting the lender to take me seriously.