(i know it's their job to show me listings) given the situation i just went alone.

I'm interested in small multi-fams. so I can still get a residential loan.My current situation.

“Lets say you dont want to sell...You refinance it again, but then you may be get stuck with a property that you have a mortgage on for 100K but its worth 50K because the market is down and you refinanced it when the market was high, and now you have a problem..”Why do you have a problem in this situation if you are never going to sell??!!

Also, while it's certainly doable to do an airbnb situation you'll have more vacancy and downtime and more to manage in terms of customer issues and cleaning. 

Your situation is one of the most common topics posted by hobby landlords.

Then why can't 90% of the people see this with their own situation??

I don't think Cozy would work in my situation because of the different backgrounds. ie. some tenants are elderly and don't understand that stuff, I have a tenant who is mentally disabled and wouldn't be able to do it and several that are low income and like I said before, only deal in cash. 

I'm going to be in a similar situation soon and am curious how you handled it and how they responded.

As some others are saying, you may be in a situation where you are priced too far below market. 

The other options would include all three of them being evicted/released due to a violent situation, or his name remaining on the lease until the end of the lease term.