Landlord will promptly respond to Tenant request for repairs but will not be monetarily responsible for tenant disruptions or inconveniences during habitable times of repairs or tenant/guest injuries incurred in or around obvious areas of maintenance, repairs, or construction.We are more converned about them expecting us to pay for their losses rather than getting recouped for damages to our property. 

Keep in mind that a rat can enter any entry that is the size of a quarter. 

Right now you have $1,000 in cash flow that can be used to fund other projects (seed money), pay you in profit to supplement your lifestyle, or fill in any gaps for underperforming properties.  

OMG, please do  NOT take money out of your 401K to pay off a mortgage, especially not for a rental. 

There's very little way to go wrong here since the alternative is paying to live somewhere else anyway. 

I wouldn’t be excited paying much more than the land value.

She refuses to pay rent and says she cant be out until April.

But, the self-sufficiency test for FHA loans can be really difficult in SF, meaning that the market rent from units you will not occupy must be sufficient to pay for the mortgage payment. 

I liked the tenant, school is starting back etc, I told them they could pay first month and security deposit and I would let them have the rest of August for free.

One of them accidentally paid for January rent because of auto pay and is now requesting it back.