@Trent Warner it is a matter of commitment and motivation.

The title company I typically use I have never had them get a title commitment back that fast.

If the infrastructive isn't properly maintained, one major repair could easily eat the small cash flow that may exist. 

Basically, you need to get your existing loans paid down/off and/or increase your income. 

As this area isn't so regulated, how does one actually receive the" benefit of their bargain" if after committing to a loan, the different figures begin to drift those those understood as the agreement?

You don't need to spend hours trying to sell a rent increase to existing renters when demand is so high.

I also secured a great mentor who has committed to working with me once a week teaching me the ropes.

Otherwise you’re committing mortgage fraud regardless of any other mortgages or even if you were renting.

For my leases, if someone is moving out of the area for good reason, I have been open in the past to getting a replacement tenant as long as the existing tenant covers all fees.

Gross income from the rent roll that I have is $101,200 annually, with a total NOI of $28,000, once I've accounted for all the existing costs plus management.