The good thing is the duplex is worth almost double what we built it for and we have had good tenants on both sides ($185,000 rental income so far) except for the bed bug lady so everything has worked out ok. 

Quote from @Elliot Angus: I recently came across an interesting opportunity and thought I’d share the details.Mortgage Details:Outstanding Balance: $70,000Fixed Interest Rate: 3.75%Monthly Payment (PITI): $950Loan Maturity: May 2045The property’s current market value is around $225,000, leaving significant equity on the table.Tenant-Buyer Situation:The property is currently occupied by Rent to Own tenants.

. :-) Even if you win the war, loosing the battle can easily wipe out all your profits and more.Think about that recent CA AirBnB case where the lady was in the guest house for almost 2 years with no rent?  

Wow you are a brave lady!

He met a lady from Mexico that could not even speak English.

Their members do the same thing this lady is doing, look for scammers. 

Lady from Russia just built.  

I will treat a witness as a trespasser.I want to really emphasize that this lady is a major headache and may have mental issues.It is possible she has been fired from her job as well. 

There will always be demand in the market (it's not like some covid markets that could disappear as vacation destinations almost entirely over the next decade), and the regulation risk is as near to zero as you can get in this industry so long as you buy in the approved tourist zones (again, compared to some smaller/less mature markets where they could outlaw STRs tomorrow).For short period cash flow there are better options. 

Presumably the borrower is unable to refinance at current rates.The borrower may or may not be making payments on the note, even though it is past maturity (is it a problem to foreclose if they are making payments?)