I work on the DSCR lending side, and I keep seeing this pattern:Rate shopping → 45-60 day timelines → deals falling apart or losing to faster buyersMeanwhile, investors who prioritize speed:Close in 21 days or lessAlready have keys and tenantsOr pulled cash out and moved to next dealWhat I'm curious about:For brokers: How often do extended timelines cost you deals?

Aside from that (again, depending on score) you may be better off doing a bridge loan to pull what cash you can now, work on credit, and refinance into a long-term loan once credit has improved and before the balloon is due (typically at 12 months). 

The solution(??)

I am going to tell her about the higher market rent value because I really want to keep her as a long term tenant and I hope we can find a fair solution for us both.

Finish, rent, and refi to pull your capital.

I don't care about cash flow while I'm still working, meaning that I won't pull any money out of my investments for probably 10 years and everything will just get re-invested.  

Cross-check your ARV with real comps before committing - I use a mix of Redfin and tools like PropLab that auto-pull adjusted comps to sanity check my manual analysisKeep building - the best investors I know all started with their own spreadsheets before using any tools.

Things went awry and he had to start using credit cards, took out a personal loan, and pulled from our IRAs to keep this afloat through the sale.

Been in contact with the BBB also regarding these guys and what they are pulling on people and their fake reviews and claims.  

Unless the property was in a phenomenal area with economic growth and the condition matched the comps, I would not pull the trigger on this.