. - Any interest in getting on a conference call and discussing our options, given that we are in the same boat? 

Hi Chris, there are several options you could consider, but it would all be based on your risk tolerance. 

Whether you're looking for short-term rentals, long-term rentals, or fix-and-flips, Florida has something to offer.Favorable Tax Environment: Florida boasts no state income tax, making it an attractive option for investors looking to maximize their returns.Year-Round Appeal: Unlike seasonal markets, Florida offers consistent rental demand year-round.

Then ask them what your options are to reduce payments in the future.

Here are the options that I have been thinking about:1.

That should never happen.We also discussed the option of selling your property or even transferring management. 

Quote from @Alan Mills: Yes, I would agree with Chris and Bill, but if you have an option to get around this by putting it inside the house?

build to rent is great. they are an intermediary that help investors contract direct with turn key new build. they are pretty sophisticated we have sold a house so far and we are looking to sell other multifamily with them. there is a vetting process and as an intermediary they don't control construction they help vet builders and establish relationships. they have a big team. the other builder I've never heard of but unless you can see your house I wouldn't touch it. rent to retirement has a strict policy of 90 days until certificate of occupancy until they will send a deal out they are good at what they do and I'd recommend them. they have options all over the country and established relationships.

The midwest has great options - Indiana, Michigan and Ohio has lots of great sub markets with good cash flow. 

A good lender should be able to piece together a strategy with you, whether that's cross collateralizing or not, underwrite each option with conservative numbers.