Since moving I have lost a lot of my earning ability because of some severe health issues and so I'm getting more motivated now to figure something out.We originally paid $115,000 and we still have a BOA mortgage (5.875%) that we owe 65k on.

Use leverage to the best of your ability. 

If I was a HML which I am not but if I was first of course I would want to lend to whoever shows the ability to pay and is the lesser credit risk.

Resumes tend to be embellished, but if I see significant skin in the game and other connections to people or organizations that I know (LinkedIn helps a great deal) I can gain some confidence in their abilities.

I assume you don't want to give them the ability to audit you to verify your profit numbers? 

I'm a recent transplant from Canada to the US.I remember looking at US properties as a Canadian, and one of the challenges I hit alot was financing; US institutions wanted to see US based W2 income and US credit history (assuming say a pretty straight forward conventional investor mortgage, not a commercial mortgage) that felt like a significant roadblock.One thing to note though is that some of the major Canadian banks (BMO, TD, RBC) have major US operations; and with those, comes the ability to secure financing based on your Canadian source income, and Canadian credit history.This is a phenomenal resource for most Canadians (albeit you're limited often to only one property purchase as part of these programs, and some will restrict it to "vacation/second home" only, no investor/rental).

Among the changes he said he'd like to see is the ending of vacancy decontrol, which lets apartments out of rent regulation when the rent goes over $2,500 and a tenant moves out, and scrapping the 20% rent hike landlords are allowed to make every time a tenant leaves.But with the Senate Republicans balking, Cuomo last week said he expects the current law might simply be extended as is and is trying to tie the issue to passage of an education investment tax credit designed to mainly benefit parochial and private schools and their donors.Mayor de Blasio on Friday said it would be the “end to New York City as we have known it” if the state fails to renew the rent laws.Cuomo in his letter agreed, saying it “would create mayhem and chaos for both tenants and landlords and would roil the entire real estate industry.”To avoid even a temporary lapse, the Assembly on Friday night introduced a bill that would give state leaders more time to negotiate a deal by extending the existing rent laws by two days.Meanwhile, a group of more than 40 Assembly Democrats sent a letter to Speaker Carl Heastie (D-Bronx) urging the end of an affordable housing tax credit program for developers that is also set to expire on Monday if the rent laws are not extended and “very substantially strengthened.”

I documented it, and I sited the RI State Statute in my letter that gave me the ability to retain in this case their entire security deposit.  

This was an excellent learning experience for me and I feel even more confident in my abilities to handle situations. 

Their ability, or inability, to meet their basic need for housing impacts the greater community.