People think you need to restructure your way of life when you use the strategy, but it’s just not true.  

restructure the debt as @Joe Villeuve and others suggest, then, if you have equity, cash out refi and take the proceeds and reinvest it in positive cash flowing properties.

Sometimes it helps to restructure debt in order to reduce mortgage payments and increase cash flow. 

I may restructure my fee amount, but still stick to my guns regardless of their situation.

Simply terminate the lease and restructure a new lease with the lawn service included.  

Or better yet, when it’s time to refi or restructure the debt, can the project support higher rates?

When we first started it was as high as $60, but we restructured some things.

https://www.sba.gov/sites/default/files/articles/EIDL_Information_and_Documentation_-_3-23-2020.pdf It looks like I cannot restructure debt.

@Cat Bauer a cash out refinance is just like any refinance - you are restructuring the existing financing on the home into new financing terms.So, if you owned a home that had a mortgage of $100,000...and you did a cash out refinance at $150,000...you would payoff your first mortgage, have a new mortgage at $150,000 and receive a check for $50,000.  

I am struggling to get loans right now so I think I need to restructure the way my business is setup because I know the income is there.