If you give in here then he knows how to manipulate YOU to get what HE wants.

A tenant manipulating a landlord and undercutting my ability to act on the landlord's behalf by going around me puts the landlord at risk, financially, legally, and emotionally.A good property manager (I will flatter myself) is a first-magnitude poop screen. 

Sometimes tenants lie when they hear about a changeover and said they made payments when they didn't etc.It's easy for them to throw the person that is gone under the bus because they are no longer there to defend themselves.Not saying that is the case here at all but tenants try to manipulate anytime they see an opening. 

I don't want to annoy my tenants by I definitely don't want them to manipulate me from the beginning.

A con artist is successful because he is able to manipulate you into having confidence in him, even when you really know you shouldn't .  

Run it as a business and protect yourself from being manipulated by personal relationships.  

Credit scores are husband 630 and Wife 437.Income-is just over 3 times rent, husband retirement benefit, wife on job 6 months temp to perm.

And, once the temps outside aren't winter conditions anymore, heat shouldn't be an issue. 

It yields similar results with the only difference being a greater total payment to the HELOC+mortgage and/or average daily balance manipulation based on when the payments are made to the HELOC.2) My example is different in that instead of splitting the loan, it moves the whole balance into a HELOC which is revolving. 

PM me for his info, as desired or search by his full practice name and you'll find one Yelp review and a holder/temp site.