Any thoughts is you were in this situation?

It was much more stressful and not worth it IMO. 

Hello there @Kevin Zmick - I was just in a similar situation so you aren't alone...it is much harder to rent out units during this time, but the right will come. 

These situations don't get better, they always get worse. 

Seems like a messy situation. 

It might be a situation where you are digging a manageable hole that you can work and earn your way out of, but be honest with yourself.

@Namal Burman, your post caught my eye because I had a former client-now a good friend-who found herself in a similar situation.

I don't know about doing a refi, I think it depends on your situation and rates.

-I'm fairly careful with communication , but again, I know doing business online is way riskier, but I want to ask: Typically, I would trust someone who seems very in-depth, informative (gives statistics and numbers), and basically would give me thorough steps (including worst-case scenarios and what would best fit my situation)^^would people who have experience say that even with the above, some agents/lenders/PMs would still be sort of out to get your money and do a lousy job?

It sounds like you are missing a conversation with the tenant to understand the situation.