everyone so far appears to be against the paint option, what I have found from my experience is you can paint metal tubs with no problem as long as you remove the drain and paint under it when reinstall it, if they tape around it which most of them do, it will begin to peel from there, what I would like to know is what is the best cleaning chemical to remove the stain, as far as painting a fiberglass tub I have no experience with that, hope this helps. let us know what you end up doing because I also hate spending money I don't have to.

Just clean with bleach water and buy a chemical mildew/mold blocker which will help prevent it from coming back.  

Am I being too harsh on her, with my response? 

The only part that I done enjoy now a days, is the harsh working environment, and the physical labor.

The duplex is in Upstate, NY - so we get pretty harsh Winters.

This may sound harsh, but are you sure your personal disposition is cut out to be a landlord?

@Scott F. people on BP can get kind of harsh, especially when you start talking about welcome gifts or tenant rewards.

I like a lot of the advice here is for your best interest so don't take anything too harshly. 

Be sure you city doesn't have harsh restrictions on occupancy of "un-related parties)

So right now I am leaning toward the big bank, but I am concerned that they may appraise the property more harshly which could default the loanThe property is a turn-key deal with tenants living there for the past 5 years, and no plans to move.