Not sure it is what you are looking for but it might be worth reading the documentation.http://asbcllc.com/r_packages/realtR/2018/introduction/index.html

With my house only being worth $220,000 fixed up, a $180,000 loan, and about $90,000 renovation costs we are stuck in a bad position. 

I am thinking i remember in some CE class I took that OR or CA did need actual monetary consideration..

Remember that for mid term you're going to have to put a good amount more capital in to get the units ready as you'll need to furnish and decorate and more than likely you'll also be responsible for all utilities. 

Is it not worth the time or am I missing something?

Harder to set up lease wise but worth it in the long run, can be very hands off.

I remember watching this one! 

I eventually shifted to syndications and private placements as my net worth grew.

I think the size of the home will really determine if it's worth it or not. 

i think having 'discovery calls' with multiple brokers/lenders is always a good idea. see what loan products they can offer you, what their rates are like (but note that many tell you one thing & ultimately have to close you at another), and most importantly make sure you have a good gut feeling about them. make sure they're responsive and want to educate you & don't try to win your business by sh*tting on other lenders. it weirds me out that the person you talked to had said what they said. to my knowledge, rate shopping & getting your credit pulled for it multiple x in one 30-day span is just fine. all those hard inquiries fall off anyway. it's worth it to get a great loan product and a great rate. and they're wrong - not all lenders have the same products to offer!