This seems to be the case in states like Florida too, where you have to send it to auctionWhile this stinks for investors, it appears beneficial to the homeowners.

My property of choice is a duplex!  

NACA could call the loan if they think you didn't make a necessary choice, they do not consider paying off credit cards as okay.Your HELOC lender can also close the line if your FICO goes down or they find out they are in 3rd position.NACA is an amazing product no down, no PMI, low rate, no fees - you sure don't want them to call the loan.

@Kyle Weinapple this is a personal choice regard a cost/risk ratio.

CHOICES, that's all it is, choices.     

It's been two year hopefully you made a choice back then 2 years ago when the situation is much better.

( Cleveland ) I’d like to see how others are gaining properties so quickly instead of saving up 20% each time. what are my options to avoid having to save up 20% each time for a down payment  DSCR loans are a popular choice for investors in Cleveland, as the real estate market is reasonably priced.

Making sure it's a beneficial relationship for all! 

We had our choice of 2. 

From what you say, she doesn't want the hassle any more, so take that knowledge and see if there is a mutually beneficial way to structure this deal.