We were able to exchange most of the funds.

They paid their portion of the rent.I have found a lot of investors bring their personal or political feelings into the investing conversation. 

Well, three top reasons come to mind:It will allow you to deduct their earnings on your own tax return.It is required by law for any person to whom you paid at least $600 in 2023, total.

I financed this property using down payment funds from 403B and a local commercial bank.

.: I would go HELOC for sure that would be best as others were saying the lower cost for the money changes between paying a higher rate for a personal line and typically personal lines they want a higher monthly charge as well independent from the interest rate.  

Insurance- personal property.  

I think the uneasiness comes from not having enough reserves/ funds for downpayment and closing.

Apparently, the person I am under contract with was managing the estate of the actual owner who recently died.  

Looking forward to meeting you all virtually sometime, or in person on a visit to PT. 

We purchased it off market, as-is, and as it was our personal home, we renovated over time.