So the fear of God was put into them about credit inquiries, because you couldn't directly tell them that their credit addiction was stupid or that would have upset their sensitive feely feels.

Perhaps they could implement a screening process and grace period when the tenant and owner is not match and prorate the costs of backing out and build in plenty of other safeguards.

In our particular situation the downstairs tenant was overly sensitive to the upstairs adult I know this because the new tenant hasn't complained.  

To be sure, home prices in lower-income neighborhoods are quite sensitive to economic conditions and availability of financing, so a recession or credit crisis could quickly stop (or at least delay) the positive trend. 

Check with other lenders if it's time sensitive, otherwise if they are offering low cost refi and good rates, then wait.  

So those are my safeguards. (3) I was just told by other investors that Richmond has been identified as a "safe place" to park money into real estate.

Safeguard Capital Partners has what appear to be fairly safe performing notes with a return of 9% so that is the direction I am leaning towards going in regarding buying notes. 

.- I keep coming back to something like giving her mom a "down payment" now, say, $20k, so her money issues aren't as time sensitive, but that $20k would be taken out of the eventual purchase price. 

On top of that, you need to decide whether you want value conscious tenants or price-sensitive tenants.

We set up milestones, inspections, and other safeguards for both seller and buyer.