Your tenants can only continue paying similar rents if they remain employed at similar wages.

We have an existing mortgage (backed by these 2 lots and 2 others) and given the increase in appraised value there is no need to pay anything back to the lender when selling the lot.

Mainly the panel is in the basement and it would require a ton of work and paying for labor hours + repairs. 

I take the approach of the investor pays me a fixed fee to learn this on their own so they never have to pay me again if they don't want to.

Use Real Estate By the Numbers as your guide, make sure it tracks the loan pay down and depreciation and have all of those numbers pour into a Schedule E.

The guests refused to pay.  

We just helped an investor buy a side-by-side duplex for $110k, pretty turn key with tenants in there paying $825 a side.

You should never use a debit card or pay for medical expenses from your HSA, ever!

Keep in mind of the I/O(payments/period) and game plan on how fast you'd like to pay it down. 

As others have said, hard money is not free - you're paying interest every month on the balance until you pay it off by refinancing, and if you can't refinance to cover the full balance is obviously still due.