We will cover the story in detail, with regular updates, through to resolution. 

The increased depreciation deductions can offset your taxable income, including gains from the sale of the previous property.

I'm collecting more evidence from this lender and already connecting even more incriminating evidence and adding on more charges to these guys.If you or someone you know has EVER worked with any of these names, please reach out to me incase what you have might seriously help out my case and save other lenders, other attorneys, other regular people etc from being screwed. 

You could point out that since it's a rental for the last 12 years, she will have some serious capital gains to pay with a regular bank-financed sale, and with your proposal, that tax will only come due after the balloon payment. 

My online license course barely mentioned regular mortgage financing.

STRs require more hands-on management, but it’s a viable option for reducing your taxable income without needing REPS.You might also consider a cost segregation study to accelerate depreciation on the rental, creating larger upfront paper losses.

If you buy a regular deal with a regular down payment in a regular neighborhood, you'll probably lose money in the short term and be cash flow negative. 

Is there any particular maintenance that is required in a regular basis?

We have conversations with banks that they won't/don't have with regular investor.

I would regularly update your photos to reflect seasonal changes or recent upgrades, ensuring they are high-quality and well-lit.