You can always pick those up after the lease ends via a judgement in court - you will have the same odds of collecting unpaid rent (close to 0).Sometimes we take it personally when folks do stuff like pay late every month - landlords live longer when we learn to not take things personally.

You may or may not have a personal guarantee, but probably will.  

The doctor found out that I was going to visit those 10 to speak in person with the borrowers and try to decide on the best course of action.  

Personally I’d have them start saving up and get traditional financing and pay you off.

That generally means there is one person whose sole job is to respond to you.

STRs that I could use for personal use (family vacations) once or twice a year.  

Put an enclosure around it, heat it when necessary and  call it an indoor pool.My next personal house is just going to have a smaller pool like one of these.

That person already had that money spent in their head even before the property is sold

Personally if it is a loser for 2 years, then it is a bad deal.

Downpayment was through personal savings from my 9 to 5 and remaining financing for purchase and rehab came from hard money lender (Easy Sreet Capital).