Jason,There are a couple of way of attacking your purchase to avoid PMI. 

That's all business and there's no attack on her or people that are mentally ill.

City Counsel refuses to make being caught w an illegal gun a felony, you cant even pay bills because of the ransomware attack, and the city refuses to shut off water, and you cant kick a tenant out in rent court for refusal to pay water even if its in your lease.

One was visiting mother of guest, heart attack I think.

Shorter-term lease options, including month-to-month, are available, and will be charged additional monthly rent (up to 125% of long-term rental rate) and/or a non-refundable convenience fee of $300.Please review the lease agreement prior to applyingSmoking Policy: Our rentals are strictly non-smokingTenant’s guests who smoke should only smoke outdoors, at least 25 feet from any door or window and not on the propertyTenants will be fully responsible for damage caused by them or their guests during their tenancyPet Policy: If pets are allowed, pet deposit may equal up to 100% of security depositPet rent of $30 per pet (up to a maximum of $90 a month) may be appliedMaximum 3 petsBreeds not allowed by insurance include, but are not limited to: Animals with a previous bite history or vicious propensities, Dobermans, Chows, Rottweilers, Akitas, American Staffordshire Terriers (Pit Bulls), attack dogs and Wolf Hybrids, (or any mix thereof) Ostriches, Emus, Horses, Farm or Ranch animals, or any type of wild exotic animals or pets.

If I was here I would have attacked the problem but I understood what she decided.  

@Alex NatansonYes, but you are going to have to prove bona fide residence -- that the spouses are actually living apart in separate homes and that this is not merely a scheme for tax purposes.Even then, the treasury regs leave room for the Service to attack you from other angles. 

My biggest fear when investing in DC isn't a great recession, but rather if a terrorist attack wiped out my rental properties. 

See what local folks are doing.Goals slowly prepare them so you have a plan off attack.

I'm going to take a guess and say that if you refinanced, you'd pay the same amount of interest and fees in the next 12 months as you would if you attacked the credit card debt, maybe even more.