@Norberto Murillo Jr, If you can stomache the current cash flow now you will be far better off rather than refinancing to a higher interest just to get a lower payment.right now those loans are paying off quickly because of the age of the loan and the amortization of it. 

. ^^^^^^^^^^^^^^ This right here ^^^^^^^^^^^^^^^^^^^^^^^^^^^^Yes it takes a long time, the average age someone buys a home is now in their 30's. 

No income verification.

@Steve Vaughan when I look back at the time I did it, I was at the age of modern day Gen Zers ...

Also keep in mind the age and infrastructure charges associated with a property.

(For properties of this age, months requiring some kind of repair seemed as common as months where nothing needed to be done). b.

Non-owner occupant loans are typically Fannie/Freddie loans on properties 1-4 units, property titled in your name, you are signing the loan with verification of YOUR income and financial status.  

Congrats on kicking things off at such a young age, you're going to excel.

Even if there is nothing in the lease about smoking, she is still responsible for the damages that her smoking caused.But, with that said, the "age" of the items she damaged also comes into play. 

Most of your worst performers will probably also be your worst homes, whether that's because of neighborhood, age/problems with the house, etc. so that might be a hurdle.