(If someone isn't paying rent, I don't consider their income - in the City of Portland, I can't legally.)

There's really no need to pay off your home early.

This capital call only makes sense if asset value appreciates in 1 year and after paying down debt, there is enough cash to pay investors.

This simply means you have language in your lease that states the landlord is responsible for paying utilities up to a certain $ amount (let's say $100 for the sake of argument).

However, eviction must be by cause (i.e. you can never evict without a justifiable reason - so more or less you are stuck with a tenant unless they stop paying rent or breach their lease, or some other narrow units such as moving in or curing code violations - though then you have to pay relocation costs).

I am pretty sure it would be dumb to pay or give her the 50% from the rent.

@Aeon Jones and @Scott Preston...did either of you pay the $4,800 (or $6,800) to Vodyssey and take the course? 

If you pay $300,000 for a property and it rents for $3,000, that is 1%.

Is that amount worth risking at this time potentially having to pay from your primary residence?

Also, most Umbrella Policies only pay out if your underlying policy pays out, and the underlying policy will do everything they can to find an exclusion or that you were negligent (which you probably were) in the cause of action to get out of paying the claim.