Use a 2nd position heloc to absorb your paycheck, once your paycheck is entirely paying off your heloc, then it is safe to advance $3000 or $5000 extra against your heloc to make a principle payment against your 1st position heloc.

If she doesn't pay the bill refuse her next rent payment and evict her. 

A “contract to hold” binder payment equal to a month’s rent would also be collected at that time.

You can also send payments to credit card whenever you have spare money.

Show the lease agreement, show his rent payment history, and show any written evidence from the tenant that he admits to being late/unpaid.

I don't like paying interest on my down payment unless I know it's a temporary aid to get a good opportunity.

I used 7/1 arm provided by builder. its 5.25 with 30% down payment

You could offset your mortgage payment on a bigger house with the cash flow from the rental. 

If so and the monthly payment isn't too bad then you're still moving the needle forward if your main goal is wealth generation and not just cash flow. 

BUT there have been 24 late payments with the last late payment made in Nov 2024 and  0 paid on time.