Also consider, you've gone past the first 5 years of the loan which are interest/principal reduction ratio wise the worst years. 

It doesn't exist yet. 15% down will most likely be at a high 8% rate and you may get an LTV reduction with it being a short term rental. 

I feel reducing debt is a safe bet.Thanks,Troy When it comes to debt reduction, I would always recommend either starting with the lowest loan balance or the highest monthly payment debt. 

So, if interest rates are a buyer’s primary roadblock, then I recommend negotiating a rate buydown at a seller’s expense or looking at new construction, where builders are offering rate reductions and other substantial incentives.

This means you would likely still be responsible for the $7,000 lien.As for negotiating the lien, it’s possible to reach out to the Commonwealth and try to negotiate a reduction, especially given the age of the lien and the accumulated interest.

Tenants rights document from AG says, " Seeking Rent Reduction If a landlord breaches the warranty of habitability, the tenant may sue for a rent reduction.

For Conventional, there is no percentage/factor reduction where there is historical income figures to work with (reported a tax form)- the figures from the tax return are used.

If you continue the deferral until death then that tax reduction does happen. 

Thank you LeAnn, It's going to be a slow road for me - working on debt reduction, then building credit for the LLC, but that gives me time to learn and discover what strategy is the best fit for me. 

Above a 1.25x DSCR may get you a further reduction on your rate, but floor rates are around 6.5% with most DSCR lenders.