Once that amount is adjusted you'll have a loan payment updated based off of the rate and terms of the loan. 2) In you long-term expense estimates I don't see any assumptions for property management (7-10%), repairs/maintenance (7-10%), and vacancy (5%) so I would re-run your estimates based off of new expenses.

The property would rent long-term for $2,500 currently.

Often direct mortgage banks or lenders have an asset allocation monthly, quarterly or seasonally that they utilize to fund loans that are outside of 'the box' or need specific terms or conditions to qualify.

Both units are rented with long term renters and they bring in $2450 a month.

I own a couple short term rentals in broken bow Oklahoma and am working on acquiring more, and also working on getting into land development (goal of building smaller single family subdivisions).Looking forward to connecting!

Depending on the property type and terms this can be justifiable but usually reserved for those with ample experience and higher risk tolerance. - Higher and Hard Deposits.

It is currently operating as a long term rental, but the income would at least triple if we were to convert it to a short term rental. 

Real estate investing, in very simple terms, follows this basic formula:Income - Expenses = ProfitIf you own a single-family home and the rent income covers all the expenses and leaves you with $200 profit each month, that's called your "cash flow" and the property is a good investment.

I got a receipt for payment with lending terms of a recurring monthly payment in my email, again no number to call, or other contact info, no mention of the title or parcel. 

Establishing trust and open communication with a warning can sometimes spark a change within your tenant.If the problem continues despite your efforts to resolve it with a warning, it may be necessary to take legal action to avoid losing out on further rental income.