For example, I will send a tenant the lease renewal options and give them one week to respond.

There a ton of great DSCR options you can find on the Lenders tab at the top of the page, or connect with an experienced broker who can shop all the best lenders for you and educate you on the best options out there.

I’m going to talk to them today about the complaints that I am getting, but if this pursues, what exactly are my options in this situation? 

I do have monthly mortgages to be paid and not having rental income to offset my negative cash flow has been a learning experience and really trying to think of what options I have to have better success at this.

I did a lot of research on options.

@Chris Mason thanks for the info regarding the loan options for ADUs.

Lots of people in higher risk zones are seeing 100%+ or even canceled policies with no option to renew. 

Off-market deals are key if you go this route, so networking is huge.Out-of-state investing is another option people love, especially in markets like PA (Philly, Scranton) or even down south where prices are lower, and the landlord-tenant laws are more forgiving.

In other words, an IRR calculation.Have you ever considered doing lease options?

I think a better option is to get a job in property management.