@John Humphries - without knowing your contract, I would not let missed payments go to far down the line, I would recommend maybe its time to have your atty review the contract and reach out to them.

Price per door, price per unit are easily understood and ignores the common areas.

A lot of people can easily not value what an agent offers because they don't have a clear understanding of what an agent does.

Lots and lots to consider here.The main thing I would suggest is to reach out to some agents in the markets you are trying to find properties in. 

I will reach out soon when we start getting serious in the area. 

I have also reached out to some of the real estate companies for information on insurance fees and rental company costs that go into the monthly operations of apartment buildings.

Please reach out whenever you’d like to connect.

Now 4 years ago I got back into REI and am kicking myself for the lost 22 years where I could have easily bought a ton of properties that would have appreciated and easily made me worth more than $10M today.

I highly recommend being proactive and reaching out to people on this forum.

Assuming that what you're stating is all checks out, you should easily qualify with a lender who doesn't have conventional overlays.