I completely agree with the other answers that getting someone to help you is a good bet, having someone in your corner who understands the intricacies of the tax code rather than DIYing that should save you more money (and time) than you're paying them ever since I got my first rental I've had a pro doing my taxes but kuddos to you for being able to juggle so much for so long on your own!! 

Be more discreet and search the web first.The goal is to help you get better answers and less pitches.

I bet a lot of people would be attracted to the property just to stay with the "ghosts".  

Your best bet is to network at a local REIA and find a good private lender or other investors who will do a joint venture deal with you. 

However, if they do, they are likely just 'okay' with it and would likely leverage the 10-07 market rent analysis on the appraisal to actually calculate and determine the official DSCR during Underwriting.Hope that helps, if you do have a tenant who is willing to be flexible, the 12 month is always the safest bet.

(pretty good bet things aren't going to 2% any time soon)We have wound up restructuring several notes to our benefit because the owners were really happy to have the income immediately

Your best bet would be to bring in an equity partner

I have a proof of concept web page and can provide a personal story and touch.

I think that your best bet is to offer the Holder of the Contract for deed some sort of discount if they refinanced out of the contract for deed so you could get your equity, short of that I don't think you have a lot of options.

Honestly that's what I'm betting on!