Is there any financial institutions or private lenders in the area that may  be able to help me? 

I don't even lend there, it's one of the towns I exclude, and 50K per door sounds like a lot of money for Fitchburg.  

It is expensive, but they look at the deal and if the numbers work, they will lend you money.

Saying it does not matter because the tenant is paying it is bs and why non lenders should not advise on lending matters.

Regular banks won't lend you because of your credit and the condition of the property.

Approach it professionally by saying that you want to introduce yourself and  you plan to institute a payment change, the lease says xyz,  is that who you sent your rent to for the 1st? 

It's the classic problem of they want to lend to people with experience and you can't get experience because people will not lend to you.

I am not sure how Bankers look at it, but I have usually managed to have a loss on my taxes for my rentals, but banks have been lending to me for 20 years in spite of that. 

any input or past experience would be appreciated.thank you If it makes sense to them and if the financial institution lends in the cities where the properties are located... you may have to talk to a few of them.

First, just a general comment about BPO's, at least those done for institutions.