So I am not sure which has more weight. 

However, I feel like a weight is on my by extending the loans out!  

If I add him to the ownership right now would he be considered for the full $250k single reduction or would I have to wait two years to qualify for the full $250k?

Hi Matt, You are correct, she is thinking that because she paid so much in advance she can throw her weight around.

Especially on an older home, the frame may not be designed to hold all of that extra weight.  

My due diligence would include looking for ways to increase the NOI, but from everything I have learned, I have been operating with the mindset of “I’m not paying for anything that isn’t already there,” e.g. rent increase, expense reduction from RUBS, etc. 

We have a lot of weight (and liquid capital) behind us, so we can negotiate faster and harder than an individual, we know how tax auctions work and can place competitive bids, we're built to find solid properties that need work, and buy them as cheaply as possible.

You will want to look at your cashflow (don't get confused, only one kind :) ) to make sure you have enough to cover needed repairs and a possible reduction in rents if we do find our self in a recession. 

Weight that against the cost of just having someone come out there sooner, and you might find it's a wash. 

The tax reductions are a major stimulus, which has yet to really kick in.