And I totally think you should be the one to create a BiggerPockets intro song for the @Brandon Turner podcast. :-)

Most rent to own situations forgo the 1031 route and treat it as an installment sale. 

As for the issue of tax benefits of the mortgage  interest, well thats a moot point with the new tax plan, and I am happy to forgo that considering the fact that I saved almost $200K over the life of the loan.

And I felt it allowed me to forgo some of the flexibility afforded by a 30 year mortgage in exchange for the better rates available on a 15 year note.

But if I have a case for going after the seller for the repair costs, I would like to explore that.

Throw in some Shakespeare, Differential Equations, and the "I'm a  Gummy Bear" song (yes I have a 4 year old!)

You can buy them for a song when the market is right.

So if she's planning on selling the house before 10 years have gone by and using the capital gains to pay for living expenses, OR if she's still in her 60s and can reasonably expect to need the cash flow for more than 10 years, it could be nice to have that ~$400 bump in cash flow in 10 years while forgoing the $100 a month for the next ten years. 

Great thanks guys for going into more detail on that.

So after song and dance seeing if the business side of NFCU could help (BTW they only offer 75% LTV max and not on your primary residence) only option to get the 95% LTV is to re-Title in our names and re-apply.