I commissioned a website to be made which I am really proud of (Check out the website here: https://biggerpictureholdings.com/) Shout out to Derek Peterson and Adapt Media Agency (adaptmediaagency.com) for making that happen.

For instance, you could agree to cancel some of their outstanding debts, and/or you could make it clear that their security deposit will be withheld if they don't leave under your terms, and/or make it clear you will file a lawsuit to recover the money they owe you if they don't meet your conditions, and/or get a collection agency involved, and/or you can make it clear there will be an eviction for non-compliance with the contract (among many other methods)...I would also suggest reading up on cash for keys, and seeing whether that strategy could work...talk to the tenant to get an understanding of why they are staying, what things would prevent them from leaving, what things would incentivize them to leave, etc.  ...ultimately, you need to create a new agreement (in a new contract), where the option of leaving and abiding by the terms of your new contract is MUCH more appealing to the tenant than the option of staying and/or violating the terms of your new contract.  

If you go the bank, credit union, small balance commercial, agency multifamily lender route, you'll get better rates, but will likely have much more scrutiny on qualifying and likely lower leverage and quicker amort

I am currently 25 years old and manage a rental agency with 63 vacation rentals in Southern Maine.

The only ones that seem to have spiked at one point, were the ones that people werent allowed to evict during the shutdown, but really most of those people were able to get help from Our Florida or other agencies to be able to stay.

I started an Insurance Agency in January and became a Realtor in March, so conventional funding is out.

This must be a specialized product, because conventional lending law will still require your combined loan to value ratio to be under 80 for an agency loan on a 4-unit home. 

Hi Ellie - This is not possible for an agency (Fannie/Freddie) loan.

When the home was sold after 9 months, the lender loses money, the lender's investors lose the monthly income, and your specific deal will command more scrutiny by auditors at both the lenders institution and the regulatory compliance agencies. 

If you don't get enough good suggestions on BP, I'd suggest getting a list from the IIABL (Independent Insurance Agents & Brokers of LA) office, and look for the larger to mid-size agencies with longevity and residential / habitational programs.