We prevented the foreclosure, allowing the tenants to stay and the borrower to exit the deal with having that on his record.

If I do change the locks, will I still have to rekey them to prevent having three sets of keys? 

does having a contract with a listing agent prevent you from buying properties ... directly from owners?

Note good does not necessarily mean cheap   Look at helix hospitality.Amazon sells mattress and box spring wraps that prevent bed bugs getting into the mattress/box spring.  

I think it's okay to not have a deluxe backyard, see what the market is demanding.We didn't want to or have the funds to do a full renovation, Here are some things we did when we got our primary ready to rent:-Tore out fiberglass tub and surround in master bedroom-Had new tub and tile surround put in (felt nicer for primary bedroom suite)-New toilets and all new faucets-Hired guy to resurface all kitchen and bathroom countertops-Took down popcorn ceiling and had resurfaced/ painted-Neutral paint and trim throughout (had different colors all over prior)-changed out washer hook-up valves to prevent issues Things I wish we would've taken care of:-regular yard maintenance hired out and baked into rent-LVP flooring throughout (kept mix of tile and carpet)Just did final walkthrough and got keys this morning for tenant moving out.

I'm active duty Air Force and into real estate too, currently building my portfolio as well.

An Army then Air Force JAG officer, Garrett invested in real estate with each duty assignment.

Your conclusions are drawn out of thin air.

If you called the lender that did the original loan they may just be trying to prevent themselves from getting portion of commission recaptured from an early payoff.

Can you come from a long day and cook a quick meal with an InstaPot or air fryer?