great advice provided - what I will add to this is if you have smokers and its not allowed I would offer to allow them out of the lease with no penalty. 

She is offering to refinance one of her homes that is completely paid off.

@Lionel Quiambao I find that the most basic speed offering works fine in my units.

Of course, if we have another available unit that's similar to the one they were looking at, I'll pivot to that and offer to move their current application over to that unit as long as they would still qualify under whatever the new unit's rent is. 

I think she is equally responsible if she is 50 / 50 ownership per the offering and through thier own discussions on podcasts, social etc. 

Compare offers from the lenders, paying attention to interest rates, closing costs, and any penalties.

But there are a few ways to shake things up:Cash for Keys: Offer them money to move out.

I'm having to offer this as a fully furnished house to be able to charge a premium on rent just to get close to the mortgage.

I’ve sent the seller a demand letter, but instead of honoring the contract, they offered me money to walk away.

Rates are also better with these than with an investment loan.There are a couple of investment loan programs available that offer 10% down as well with no PMI, but they have slightly higher rates.