These are the folks I would not steer towards Dave Ramsey, and more towards the world of creative real estate financing to help them enhance their portfolio and personal net worth.

Drop "training" from both your spoken vocabulary and your mental thought patterns.

So don't be scared of the Shand's area, just enhance your units for the safety of the nurses. 

. ^^^^^^^^^^^^^^ This Right Here^^^^^^^^^^^^^^^^^^^^^^^As mentioned, you asked how to deal with this mentally and Nathan answered that question - get a property manager to deal with tenants.

These builders & flippers, etc are risking their money daily (Plans aligned, calculated) in order to grow personally, mentally, & physically.

And nobody can take it type of mentality

That's pretty much what they all prey on, ignorance, easy money, laziness and the mentally challenged promising that unrealistic dreams can come true.

Without getting too political, I think that's a result of the "welfare" mentality here on the Harbor, where a lot of people don't have to work.Speaking of work - although the unemployment rate is really high - I've never known a good person that couldn't find a job.

I think the best I have seen is 85% LTV, and enhanced pricing if the ratio is good (>1.25) 

We also enhanced our cleaning practices with our cleaning company and committed that with Airbnb so that has helped us too.