@Anthony Bowe - you're experiencing what many successful investors experience. 

I am not a banker so I am unsure exactly where it is screwed up but I think you are forgetting how interest compounds and the amortization schedule.

I'm not sure how delinquency compounds in amortization?

Homeowners bowed out when they heard STR.

One of mine is "balloon" framed, and while there's nothing wrong with that method per se, it led to some issues with sagging and bowing of walls, floors and headers. 

Im learning the velocity of money and compound interest by using my dad as a lender.

As far as what I'm reading at the moment, I'm loving "The Compound Effect" and using "Flash Boys" as a switch up. 

If you can rescript your thinking to say, "In five years, my assets will pay for the house of my dreams so I don't even have to care what the bank says," then you will be financially free rather than bowing to the banks.

It's worth noting that interest rates are super-low right now; about 0.5% for a high-yield savings and not much better in the bond market.Older Americans with cash in the bank who are leery of investing in the stock market at their age may perk up at the chance to invest with you by "being the bank" on a 20 or 30 year mortgage at ~4% compounding interest paid monthly.It's worth pitching the idea to people in your network and if someone bites, have an attorney and/or title company draft up the documents giving them a lien on your property.

Here is a quote I heard from Hal Elrod “Your level of success will rarely exceed your level of personal development because success is something that you attract by the person you become”Here is my list of the top books that have made the greatest impact on me so far, and I would like to recommend:The Miracle Morning by Hal ElrodThe Book on Rental Property Investing by Brandon TurnerThe Book on Managing Rental Properties by Brandon and Heather TurnerRich Dad Poor Dad by Robert KiyosakiThe Compound Effect by Darren HardyBuy Rent Rehab Refinance Repeat by David GreeneMaxout your Life by Ed MylettThe Book on Tax Strategies by Amanda HanThe Five Love Languages by Gary ChapmanThe Ultimate Self-Directed IRA by Jeff AstorEnjoy, learn, and most importantly take action!!