A lot of seller financing comes with higher price or is a poor asset.  

The cash flow is poor for this value of an asset and my equity position.  

Since Joe is not a registered lender, Joe is not held to the same standards as a lender and the sale could be a wreckless and poor activity by the bank putting Bob in that situation.

Signs of this are poor lease quality, maybe M2M tenants, high expenses (unnecessary things like high trash bills, internet, cleaning, security).

I got interested in real estate after reading Rich Dad Poor Dad and it blew my brain and completely changed my perspective on money and my possibilities.

The real question is if she reads rich dad / poor dad 4 quadrants of cashflow. 

But pick a smaller number  and put a roughly believable 12% rate in the language and suddenly the purchases and celebrations start.In this case, there was also a poorly hidden "unless things go poorly" written. 

Unfortunately, she frequently turns it off to save on electricity, which exacerbates the issue.i have also sent her extra radiator heat so can just plug in , but she refuse to use because she has to pay high electric bill.She complained about the unit's insulation and requested that we install an additional baseboard heater( whats the use if she doesn't turn on the heat) .

It is a tough buy and hole RE market everywhere but markets like San Francisco are particularly challenging in the short term due to the poor cash flow (negative cash flow).  

Nevertheless, both scenarios require your attention and defending against those claims could very well cost more than $2K.One of, if not the leading cause for dispute between contractor and client is poor communication.