We have modified many seller financed notes over the years (with input from the servicer and a qualified attorney as mentioned by others). 

Push through it, you may even need to have a second, consistent paying job and thats OK, until you get established.

Consistency is the key to success. 

So, why would you NOT factor in a car payment when determining the liklihood of an applicant paying their rent consistently on time?

They care about what they estimate it would cost to rebuild the home.All else being equal, yes, older homes are more expensive to insure than newer homes for a variety of reasons. 

I'd like to be able to give a variety of options for the listeners along your recommendations and feedback on the options.

.- The variety of financing products available as individual tenant in common loans remains limited, and the terms are generally less favorable than either apartment building loans or condominium loans.

I am trying to tabulate Business that may have higher depreciation but yet help me build wealth in form of real estate or potential customers for variety of services. 

I could be wrong or out of line, but I feel like this is a field where you really need some good expertise/experience to know how to address the variety of crazy situations that will come up.

Another idea could be to see if the HVAC system can be adjusted or modified to better separate the airflow between the units.