You can always pick those up after the lease ends via a judgement in court - you will have the same odds of collecting unpaid rent (close to 0).Sometimes we take it personally when folks do stuff like pay late every month - landlords live longer when we learn to not take things personally.

The doctor found out that I was going to visit those 10 to speak in person with the borrowers and try to decide on the best course of action.  

You may or may not have a personal guarantee, but probably will.  

Personally I’d have them start saving up and get traditional financing and pay you off.

That generally means there is one person whose sole job is to respond to you.

STRs that I could use for personal use (family vacations) once or twice a year.  

Put an enclosure around it, heat it when necessary and  call it an indoor pool.My next personal house is just going to have a smaller pool like one of these.

We have found the biggest benefits of self-managing our rental properties to be:1) Exponentially Higher Cash Flow2) Higher Quality tenants and therefore rentals3) More time freedom from your optimally performing portfolioAre you self-managing or using a property manager for your rental properties?

But I will say there's one other of similar quality that's in this thread, and you just sign those folks up on your team and go to war with peace on the mind. 

Whether it is worth the time and expense is going to be dependent on the quality of the deal.