I recommend keeping it short for the initial attempt.

More importantly, you are attempting to advertise the property on public forums. 

If they simply contacted you and have nothing to do with it, then I wouldn't contact them. 

While it’s frustrating that the tenant is still there and not paying, turning off utilities could complicate the situation and potentially lead to legal consequences for your "friend".In the meantime, document everything (the tenant’s non-payment, the lease terms regarding utilities, and their attempts to resolve the issue) to present in court, which may help recover the outstanding balance later.

Obviously there won't be any 100% "safe" tenants, no matter how much vetting you do, a job loss etc. could always happen to anybody... but I feel like having one at all simply shows that they didn't prioritize keeping a roof over their head for one reason or another, among other issues.Everything else from that post, if I am referencing the same one, seems fine to me.

Simply do not renew, which I believe Nathen was referring to 

I think HML started to market at PML to give borrowers the illusion of cheaper rates easier terms etc etc when that simply is not true in practice.

So, in that case you are simply entering in the loan payment amount for the mortgage and then creating estimates for the mortgage and property tax amounts as well.

If you wish to buy rentals using your retirement funds you simply need a self-directed IRA (or Checkbook IRA if you wish to have more control). 

Her bank says that the deposit was there in time and there was no sign of a withdrawal attempt or rejected payment.