I would continue to accrue the vacancy reserves in a safe place until you execute your exit strategy.

Bringing it current will mean less fees accruing.

Another point here is that the amount paid to cover tax is added to the loan account as an “advance” and accrues interest at the loan rate.

I agree, what's important is that you're paying down the mortgage and accruing the appreciation for yourself.

Hi JJ.....I regularly poke around the Redfin website out of curiosity more than a desire to buy anything and I've noticed that the properties in Crete and Steger appear to be very reasonably priced for a pretty solid working class suburb.

Very helpful, all due to curiosity, i checked average credit score is 670.

@Jacob Grennell not me but what franchise out of curiosity?

You'll probably find better returns and Florida more landlord friendly than New York.Out of curiosity, why did you pick Orland, FL?

@Mike S. my minimum is 100k so we wouldn't be a fit right now.For my curiosity, what is causing your overwhelm?

Just out of curiosity, we ran a credit and eviction check, and found she was evicted two years before.