She does not have a credit or debit card.

You don't want tenants claiming after the sale to have prepaid rent, owned the appliances or that he had some other agreement with the prior owners.

Some of that will be the pre-paid costs like insurance and taxes.Idea for coming up with the $1K:Sell some stuff on craigs list or e-bay.Borrow from friends or family.Prosper or lending club.Credit card cash advance.401k loan.An advance from your job.Get a personal loan from a bank or credit union.None of these are great ideas, but we're only talking a grand here, and if this happens like you expect you can pay it back pretty quickly.

There are times that the seller/landlord does not deposit the check immediately and will post on my account as a debit about 7-9 days later.

The payments will be applied to the property asset account as a debit, increasing the balance.Then, what about loans and loan payments?

So you pre-paid the $30k for the work and now he's essentially ghosting you?

With 3.5% down, you're usually ( here anyway) going to be into it for about 10% including closing costs, prepaid tax and insurance escrows, etc. unless you're getting a "rebate" from the lender, which means you're paying a slightly higher interest rate.

So they countered with 55k and nothing for closing.Closing costs + prepaids + down payment are $8720I don't have an estimate for insurance, taxes are $980Repairs are $1k + fenceI'm my property manager, but I'm paying $150 finder fee and $150 for MLS listing (should I bother with MLS).My lender is talking about rolling closing into the loan for a higher %.

You'll need another 5% or so cash for PMI, closing, prepaid insurance and taxes, etc.

Seller can Not pay for your tax/insurance pre paids You will be out off pocket more than 3.5%The numbers are too tight, or actually negative.