Further, he can extend his “grace” period a further 30 days by paying us an additional $50k.So far, we’ve collected two $50,000 payments in the last i0 days plus the $36,000, or $136,000.

There are cheaper one’s in D/F areas but I would be careful as those can create a laundry list of additional issues.

There is some additional information that wasn't mentioned in your post above which sheds a different light on the situation.  1.

You are correct, however I was clarifying if the ask involved trying to figure out a persons’ citizenship like asking for a the person’s green card in addition to or in place of. 

It has 3 units, an additional dwelling unit in the garden level, and 2 garage parking spaces (which I've come to realize are quite valuable where the property is). 

Additionally, you may wish to speak with a CPA as to whether or not becoming an S Corp is the right decision – they can assist with reducing self-employment taxes.

I’m in the San Diego area and my husband and I are adding 2 additional rental units to our property. 

I suspect it was two or more months on 1 bill in addition to what we pay for common areas.

Any additional advice is helpful.

If you feel ambitious, you could try a BRRR strategy adding additional equity to the subject home and then taking equity out of it to pay off either the HELOC or if you decided to the refinance the primary residence.