Whether you're a seasoned investor, agent, or someone just as passionate as I am, I would love to learn from your experience and build a meaningful relationship! 

Buying units where I am is often owned by older landlords that have left the rent very low.

Yours may be, so if you can make your PITI in rent, then putting a tenant in the house and having the lease end at the beginning or middle of selling season could make a lot of sense.

I had a similar problem with an older tenant. 

New , Foreign, and Seasoned Investors Welcome , DSCR, COMMERCIAL, MULTI FAMILY, SINGLE FAMILY , LOANS AVAILABLE.

Scenario 1 = It looks like you have $950,000 cash to pay off the mortgage balance off.You are getting $70,000 additional cash-flow$70,000 / $950,000 = 7.3% which is not bad considering this is just cash-flow and you likely get an additional 4% appreciation bringing your total return to around 11%The thing to consider is that you would then lose the mortgage interest deduction.Without that deduction, it may put you into taxable income territory.You may want to consider seller financing some of the properties and see if you can get 8% to 10% interest.it would guarantee you a return and still get you nice interest over a period of time.As I get older, I want my investments to be more 'simpler'

It's an older lady, and I'm trying to convince her to use her bank's billpay system.

Start writing down the seasonal preventative maintenance you need to do and how much repairs cost. 

You are required to have landlord seasoning usually at least 12 month some lenders require 2-3 years.

I'd let the funds season in my account and then use those funds as a cash down payment for commercial loans and conventional multi-families properties.