I agree she should work with the mortgage company to see about payment deferral if she needs it, but it seems premature for foreclosure.

@Anthony Politz You have to find out what your VA entitlement is first and then speak with your lender to make sure you do not accidentally use a restoration on your entitlement prematurely.

Is it translating into any real opportunities yet or still premature on the distressed front?

@Zachary CarnahanA premature welcome to Denver!

I rationalized the discount to myself by saying it may be difficult to get a new renter in, but it still may have been a little premature. 

So don't freak out about the crack prematurely, but definitely get some eyes on it.

I think it may be premature to form a long term partnership, but I' m open to pivot if it makes sense.I've considered switching to other properties and expanding my criteria, so I'll keep that option open as well.

I know I'm being premature but I want to be ready. 

In Florida prematurely locking out the tenant (as you did) generally will result in damages being awarded to the tenant of 3x the monthly rent if it went to court, prematurely removing their property can also result in another 3x the monthly rent in damages or their actual damages whichever is higher.

If the 401k is with an existing employer, it's possible there is a provision within the plan documents that allow for a pre-mature distribution prior to retirement age or employment termination.