In all that time I’ve only really had one disrespectful set of tenants who were significantly different from the mainstream both culturally and in terms of their religion.

build a multifamily property and continue that strategy. building is a different strategy that allows you to still enter hte market below value. this is what we build in columbus ohio for investors it's a 3 story walk up infill that's about 24x40 and 2 bedrooms 1 bath stacked 3 times. it's identical to like 65% of apartments that are built. you'd need probably 100-150k in proceeds.

I think their quality has taken a nose dive and many new ones give out in the first year (happened in 3 different cabins I have now).

If you don’t you should choose a different question.  

What are people seeing for terms nowadays in different areas?

.- What’s the difference between me and you?

@Jay Hinrichs you are correct and that is the difference in 41,888 post and my 1,444 post. :) 

I have several other properties with different property managers and noteam has been more involved and helpful as the HomeRoom team.

Different DSCR lenders have different guidelines.More on DSCR loans: DSCR loans won't use your income to underwrite the loan. 

This would mean that the difference between the cash on cash return and the IRR is appreciation, which you'd receive upon sale.