Just out of curiosity, which state are you active in?

She had some late fees accruing and didn't pay October 10th rent, and let me know Oct 12 by text that she was breaking the lease but wanted to stay tilll the end of Oct.

@Natalie Hahn out of curiosity, why are you so focused on new construction and appreciation?

Just out of curiosity, what is the typical rate paid out to these type of investors?  

Deffered maintenance may show up as an average expense, but the property inspection will take care of that too.A quick check of tax accounts, accrued income tax or payables will be something that I would base the real income upon.

Out of curiosity, where are you thinking of going out of state?

Late fees are accruing on your account.  

I'm trying to actively take steps towards real estate investing, but there is a lot of mental endurance that I need to break through - perhaps cultivate the hunger or curiosity for real estate.

Just doing a simple payoff calculation, if I borrowed $8900 from the HELOC, it would take about 121 monthly payments of $90 to pay it off with a total interest charge accrual of $1916.So, if I did this... borrow $8900 from HELOC to pay down mortgage, I would be paying $90/m for 10 years (I would almost certainly try to pay it down quicker) to the HELOC balance, accruing $1916 in interest charges, then saving $91/m for 30 months ($91 x 30 = $2730).

OK, just a curiosity question.