I have warned them numerous times about being loud late at night, (2,3,4 am), playing loud music, even called the police once to tell them to quiet down.Last Sunday, the problem girl had friends over, screaming, loud music until 11 pm.

Unfortunately, due to the military, we had to depart the music capital of the United States to a rather unique city, Richmond, VA.

I love real estate.I work in sales and all my real estate experience has been passed down to me by my mother, a 25 year veteran in the industry.You will often find me reading, working, or making music!

Do either of you have money in a 401k, IRA, etc or any other investment instrument that you can pull out for the down payment?

The bank person listed as trustee on the original deed of trust (assuming this property used a D-T as security instrument) would be the person with the answer... more so than the local banker, who is still important for approving the deal.

A cross collaterized mortgage, (encumbrance of two or more properties under a single instrument set) is not a conventional structure.  

This neighbor would be playing loud music, yard was wasn't maintained, and 4 or 5 cars parked in the street and driveway.

Closing costs also affect this, as you will typically pay more in closing costs on a conventional type mortgage vs a line of credit type of instrument. 

Under some unfortunate circumstances, I lost a tenant that was doing a test 6 month trial of renting the granny flat and garage to a month-to-month lease for musIcal needs.

Since when are debt instruments traded in a secondary OTC market not rate sensitive?