I hope to not offend you by dropping the conversation to a more basic level than the other professionals who responded.

I’m a property manager in upstate NY and I’ve started a series of interviews with local professionals in the real estate field and I could use some help.

We only have a house or two, we say.And just because we got away with not having a professional layout when we received a mortgage for our first rental or even second rental, we think it's okay just to present a mortgage company, bank or hard money lender, just some figures written down on a piece of paper or on an Excel Spread Sheet.But what happens when the time comes when you want to really expand?

I would not choose my leverage view if it was costing me sleep at night or other wise significantly impacting my quality of life. 

Either way, congratulations on the purchase and for taking the risk in the first place but you need to get a safer more conventional property loan in my professional opinion to give you better chances in keeping this property especially if you have a long term rental income plan for it. 

Another tenant complained the dog cried and howled all night from being alone they never got any sleep. 

I don't think FHA cares where you sleep at night lol

I'll have to bookmark this page to get back to a few of the professionals here when I need help on our multifamily acquisitions in Texas this year.I don't have any referrals in the space you're looking for but in general, when searching, you can also just punch in "YOUR CITY or AREA" plus "ATTORNEY" into the search window above and check out a few bios and people's past endorsements to zero in on someone that fits your ticket.

That is  extra free cash flow, a huge cushion that even if expenses where to be much higher than given, you would still have huge cashflow to make you sleep soundly at night.

Talk to a professional before moving forward with this strategy.