What you want to avoid is a lengthy contract with extension options.

I think a better option is to get a job in property management.

You'll have all amortization options, but the most common will be 30 year fixed and that's generally the recommended one. 

If you want more detailed advice, I can provide it.You BEST option is to contact a bankruptcy attorney and find out your other options.

Focus on understanding the rental market, conducting thorough property inspections, and leveraging owner-occupied financing options like FHA loans.

The "non conforming" lending options are actually called NonQM (non qualified mortgages).

They have decent rental markets, and there are options where you could get in with a 20% down payment.

It’ll save you headaches later if she tries to escalate things.Document Everything: Take pictures, write down the history of your interactions etcOffer a Transition Plan: Just like my client, I’d recomend offering her a temporary storage option nearby, or even a small rent discount, to show you’re not trying to kick her out - just keeping the property safe and up to code.

While you work on that, you could also explore creative financing options like DSCR loans or partnerships to fast-track your first STR.

Happy to chat...being a local GC takes out a lot of the risk of the biggest variable for most investors (unpredictable rehab costs) and also allows you to consider more options than the average investor, with your rehab costs being significantly lower.