This area is really in need of affordable housing, but with the large down payment requirement it rules out this option for many.

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I find that these agreements spell out duties and responsibilities without relinquishing any security for the investor and they can spell out any number of options when things go wrong.

It may increase your vacancy when tenants discover they can no longer afford to heat their unit.I would add this:Since the TX power grid has proven unreliable and the providers can price gouge (how the justice department will challenge that remains to be seen), you could possibly ask premium rents by adding a generator / transfer switch to each building.

@Ryan LouzThe Columbus market is a great option.

I guess the upside for option B is they they could get a little short term cash but then they resign they will be hit with a larger bill.

If this is your case, then your best option is to get an FHA loan on a small multifamily and house hack.

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If you would like more information regarding your loan options, feel free to contact me! 

Presumably, equity will increase, and if all the experts are right, rates will go down leaving you with an exit option of selling or refinancing.