The second option is that she go to court, where she will lose, you get a judgment for everything owed including cleaning and repairs, and then you send her to collections where it will prevent her from qualifying for another rental, getting a car loan, etc.

hire people to do the repairs-the owners pay for it whether you do it or you hire someone to do it. 

The last tenants did some damage to the interior of the house and repairs like, sheet rock, fixtures, paint, etc. need to be completed. 

Thanks,JaredI'd only pursue this if there is an big upside for appreciation, or if you planned on keeping the house forever as a rental.Run the numbers, subtract 15% a year for vacancy and on going maintenance and repairs during each year, subtract 15% per year for maintenance and repairs to get it market ready once you decide to sell it.Example if you were to keep it for 5 years and sell at the end of five years:12x$200=$2400 year gross profit15% for vacancy, maintenance, repairs ($-360.00 per year)= $2040 gross profit per year15% set aside to repair, repaint, replace to get ready to sell on market = $1800 $7000-$8000 net for 5 years of rental.Appreciation over the term you would keep it would be the only incentive, and it could be a big reason why to rent it.

As long as you are coming out of pocket at around the same you would be renting somewhere else then you are still getting ahead in life because your tenants are helping pay down the loan and build your equity.You should also run an analysis putting in what the market rate rent would be of you did not live there.

I haven't run any numbers on this, but I've seen similar setups and at some point you are really just ahead the month. 

Part of that you can justify because of the necessary repairs, but overall higher price points appreciate differently.The median home price has basically doubled in Milwaukee from about 160k to 320k in the last 10 years.

Try to at least leverage for a 2-year lease.Just be sure your lease states the appliances are "as-is, where-is", so:1) You are NOT required to repair them- Many tenants abuse them, so you don't want to be liable to repair.- Good tenants you can choose to repair.

Several years later and she's still struggling to get even let alone get ahead.  

As long as there are no outstanding repairs, I don't see anything wrong with paying off that loan faster.