The property may be deteriorating as the debtor delays and as his attorney stretches out initial court hearing (in BK court) for 6 months.  

STOP making this about YOU!

But it won't help you get more properties if you quit your job too early.Please stop talking about quitting your job before you have your first property—or your second—or your third.

.🔴 Over-leveraged finances: Borrowers with excessive debt or insufficient personal capital invested in the deal could pose a greater risk of default.🔴 Questionable property comps: Overstated market values or inappropriate comparables may mean they’re inflating expectations.As always, thorough due diligence is your best protection.

Purchase price: $137,500 Cash invested: $1,500 Sale price: $155,000 Helped a friend stop a foreclosure on her Mother's home and recoup some of the money that was stolen from her.

So you may need to supplement more outside money to the purchase.You can always choose to add cash so you end up owning your replacement property with no debt. Or

If you do take on new debt or collections during this time, the lender will see and it will require that it be accounted for in your DTI (unless this is a DSCR loan). 

The only “control” an investor has when he invests in REITS, (or any stocks for that matter), mutual funds, real estate syndications, whether debt or equity, or minority shares in a business, is whether to keep or to sell his investment, and often not even that.  

One is that a modification agreement can be reached and the debtor starts making payments as agreed to.  

And my current DTI is basically zero as I have no outstanding debt or living expenses right now.