My wife, for example, has acquired mountains of debt simply to be able to help people less fortunate than her.

I’m not sure what rate you used to calculate your future payment but I’d stress test your deal by looking at some scenarios involving higher debt service costs.

Stay focused on your goal and through sheer volume, you will draw in leads. 

we worked through the old owner and tried to get to the kids when ever possible.. all leads were leads until the logs were on the ground.. a few things we did to speed things up  were as posted above and pretty obviouswe set up 1031s  but hard to sell to an 80 year old who could not fathom how that could be legal.and a few did charitable remainder trusts  probably even more complicated and the ones' where we bought those deals I would say the sellers were pretty savvy folks not your typical tree farmer. so as many have stated whats the sellers best interest and your best interest is many times vis a vi taxation not aligned in any manner.

Debt service is higher (with both) which makes it more challenging to make the mortgage and with zero down you have very little incentive (without a full-recourse lone and assets) not to walk away.

Raymond Hill Everything the debt service and PROFIT!

Which in turn usually leads to crap rehabs and forcing the rents too high for the folks living there( not sustainable ).

My lease specifically states tenant responsibility to reduce the risk of mold and holds them liable for causing it.At this point, you let one kid out of the lease, so that probably made things worse and lead to the other parents believing their kids should not be there. 

It is way easier to get back on the path that you know so well and not cut through the brush and blaze a new trail, but the problem is that although it is easier to go back to what ya know, that path leads to the same unfulfilling results they have always received.Just a few of my thoughts from the top of my head.  

But taking out one loan to pay off another loan is only debt transfer, not debt reduction.