Large scale investors (to the magnitude you speak of) are faced with the same issues you have mentioned (dings to personal DTI and credit report/scores, etc.) and often turn to private funding to avoid these concerns.

Time to cut your losses.

Cut the stack off several feet above the highest drain and replace everything below.

I am always concerned when I hear someone saying I just want to break even on my rentals.

You could also just as "easily" cut the rent down to cover just the expenses.

I suggest that you cut your losses, and make it ujp in the reo areana.

Since you're "way over budget" it's too late to start cutting.

In some publications you will get negative feedback or calls from regulators concerning what is being offered.

see what I mean, you are cutting your own throat by putting out solid numbersas to how you find the property...non of thier business how you find it, you have contacts that assist you in locating property and thats all they need to know now i just need to heed my own advice and life will be good lol

Real comps, title searches, etc.My concern is in the amount of time it takes to find a good property.