Research your local laws carefully and see which valid reason works the best to not renew her lease. 

A tenant can do $20k of damage pretty quickly and skip town never to be found again, if you aren't careful.  

I don't care about the interest rates on HELOCs because I will not be using them. 

The “worst” appraisals I’ve seen (on a consistent basis) as to over valuation are on non operational health care facilities.  

We understand that we'll need to use a local bank to obtain non-conventional financing as well as putting more than customary down.   

Condos have a lower price entry point, but many are facing insurance assessments due to rising insurance costs, so that has to be reviewed carefully, but single family homes are seeing the same rate pressure unless very new construction. 

I guess the previous owners didn't notice or care.

Let me know if you have any questions  Hey @Connor Thomas, you're learning the #1 lesson of real estate investing, which is to run your financials carefully in advance!

Conventional, FHA, and USDA all have products with very low downpayment options and government-subsidized rates for first time homebuyers who have a normal income.

Subto on conventional loans?