If you allow tenants to consistently pay late, it can easily become a habit.

Most concern habitable conditions of the house.

It has to be worked at, built like a virtuous habit over time, but I suspect anyone with enough practice can manage to wash away the stain of a monstrous act or two done in their lives from their memories like it had never been there in the first place, and continue to live their lives looking out from behind a face just like the rest of the family of man.

there should be a habitability clause in the lease 

@Lisa MaturoHi Lisa,I agree with Alina if the plan is to live in it, so long as it is habitable, otherwise FHA won't work.

The first thing you should do is change your spending habits and get those under control so you don't end up back in the same position. 

If you have your personal development on point you'll create habits that will skyrocket your investing success when you combine it with your acquired real estate investing knowledge.

Are the units habitable?

The FHA says that examples of such problems include but are not limited to the following: Missing handrailsCracked or damaged exit doors that are otherwise operableCracked window glassDefective paint surfaces in homes constructed post-1978 (because of lead paint hazards)Minor plumbing leaks (such as dripping faucets)Defective floor finishes or coverings (worn through the finish, badly soiled carpeting)Evidence of previous (non-active) wood-destroying insect/organism damage where there is no evidence of unrepaired structural damageRotten or worn-out counter topsDamaged plaster, sheetrock or other wall and ceiling materials in homes constructed post-1978Poor workmanshipTrip hazards (cracked or partially heaving sidewalks, poorly installed carpeting)Crawl spaces with debris and trashLack of an all-weather driveway surface=================There are many areas, however, where the FHA does require problems to be remedied in order for the sale to close.Electrical and Heating The electrical box should not have any frayed or exposed wires.All habitable rooms must have a functioning heat source (except in a few select cities with mild winters).Roofs and Attics The roofing must keep moisture out.The roofing must be expected to last for at least two more years.The appraiser must inspect the attic for evidence of possible roof problems.The roof cannot have more than three layers of roofing.If the inspection reveals the need for roof repairs and the roof already has three or more layers of roofing, the FHA requires a new roof.Water HeatersThe water heater must meet local building codes and must convey with the property.Hazards and NuisancesA number of conditions fall under this category.

We did a reno to make it habitable, who knows how long it had been empty.