$10 to the tenant to make a payment certainly seems excessive in your current solution.  

I don't believe in a hard sell, just solutions.

He determined the roof support beams hadn’t really sustained any structural damage.

Right now, the solution I'm going with is leaving it on Eco with auto heat + cool, + of course guests can switch it if they want more heat or a/c. 

I’m looking forward to making additional investments that will create a sustainable income.

I feel in this market it is difficult to get outsized returns (S&P seems very hot and might be hard to sustain 7%+ returns in long term.. but even if so, I’m risk adverse so would probably keep it my HYSA)I did run the numbers if I were to prepay $60,000 now and it appears the IRRs are lower (because of the higher cost basis).

If one year from now I see this is a viable business that makes me an income that can at least sustain my life at 70% of what I can make working for someone from paycheck to paychek, and see potential for growth and reason to do this full time, then I can take 60 hr course, pass MD exam and get a Broker to sponsor me as REA.

Happy to try and help with any questions or find solutions to make things simpler :) 

Kevin, I actually proposed your solution but the seller need a quicker close so I just made it happen.

I also asked, what was the problem with the A/C and what was the solution.