The tenants, who were always good, fell on hard times and could no longer keep up with rent payments. 

Does anyone know if there is any flexibility here, including if I can keep the HELOC if I have had it for 12 months (so stayed in the Primary Residence for a year after the HELOC started)?

We did not have the time or experience to keep up with a dishonest woman who knew she knew more than us on real estate.

5 tips i should keep in my mind when buying  rental property? 

Keep the wood (or sheetrock if you choose) an inch or two off the floor to not wick water.

When I receive inbox messages and the sender can't even keep their name consistent between signature and account name, you know its getting out of hand.

(I recently saw an article in Forbes talking about the Bay Area’s shifting market) And if you aim to hold properties long term, keep your eyes on towns around the Bay that have had consistent rent growth.Here in my home market of Phoenix, I see investors branching out to places like Austin, Chicago, and even Omaha from what Ive heard because they recognize how trends can shift quickly.

Keep track of those costs this year, they come into play in 2025 when it's in service.

Keep going!

The real estate market has shifted dramatically in recent years rising interest rates, evolving buyer and seller expectations, and fluctuating property values are keeping all of us on our toes.