I keep thinking about tools that can help me reduce risk by catching errors or red flags in seller disclosures and inspection docs, but that's likely because I've had a bad experiences with both.A simple and obvious example is a seller checking "No" for pests section, such as Scorpions and Snakes in Arizona when the property is in the desert, so obviously, there will be snakes and scorpions. 

The foundation is so bad the house has shifted and I’m going to be spending nearly 40-50k to get this remediated.

It is typical for them to be bad.

Right now treating it as interest but would like to make it active income to do a solo 401k .

I currently have 2 rentals in the Atlanta area, and for the past 2 years, both have been Section 8 rentals, and I have to say that the experience has not been as bad as the horrors stories I heard.

So you could give them a 30-day notice that you are taking the garage back, but I think that's bad practice.

Some places you will have turnover, bad tenants and have unexpected expenses. $900 seems low for a 3/1 so I think that can be pushed up. 

I'd like to hear any good and bad recent experiences you have had with this lender.  

Bad debt on their books.etc. it does happen.the fact is that there is 1.4 trillion dollars of maturing commercial.loan debt coming due in the next 3 years.i would recommend that you do what's best for you, not your lender..Best regards

It's normally the desire for immediate income that steers most investors towards bad investments because they are hyper focused on cash flow which is often portrayed differently in spreadsheets than in real life, and should be a consideration but not deciding factor.