That's a house of cards ready to fall down fast. 

U know you have to live somewhere and you have to play the cards your dealt so for someone who grew up in Cupertino and lived in Palo Alto then the Napa Valley you just figure out a way..

Building will not be in the cards for those prices and land opportunities right now.

Sign up for their card and save another 10% or something. 

Send them thank you and Christmas card for leaving.

Maybe paying off credit card debt or other debt on your report to reduce the minimum payments, increasing the downpayment, finding a house that doesnt require HOA or flood insurance (if applicable), etc.

my research shows 2.99% fee with Debit or Credit card to tenant if they pay use these forms of payment.

ACH transfers are free, but if a tenant wants to pay with a credit card they will get charged a fee.

One option is to pay down any existing debts (credit cards, car loans, etc.) to free up income capacity.

Much of the work that was done had to be redone, especially due to stolen wiring, cabinets, etc.