I have seen retired men drain their retirement accounts in order to keep up on their payments only to have it go to foreclosure anyway.

Your reputation will soon go down the drain anyway.3.

I would like to consider rentals as an option but only if I can get to the point of them really being a good investment and not a cash drain.

:)Plumbing and draining - fixtures backing upBathroom/kitchen ceiling leaksLow water pressureEntire building inspectionReplace broken window panesRemove drug wrappers in stairwells and around propertyCourtyard stairs have broken treadsRepair holes and cracks in wallsCeiling has water damageReplace doors with proper fire door closuresReplace damaged/missing screensReplace smoke and co detectorsRear brick addition not to original structure.

Drains in place.  

Retirement savings drained, college savings put on hold, skipped family vacations, 9 and 12 year old vehicles in the garage.

I also make sure outside spigots are turned off and drained.  

Broken faucets or light fixtures, clogged drains, etc.  

Probably her son is a drain on her income.Ask her what is her retirement income is .

what I would like to do is pay the insurances on a month to month basis as paying in full would drain the account.