(At their unit is best, perhaps under the explanation that you'd like to see if there will be any work necessary before the new tenant moves in.)Explain to them that they've been a great tenant, and started their new property search well in advance of their move.

If explanation is too lenghty, referral to any books or web references would be greatly appreciated.

Here are the steps with explanations:1 - Get cash together.2 - Find a RE Market that will allow you to use your cash ONLY for all costs (buy/rehab/etc...)3 - Find a lender that will do REFI loans on Rentals...and what their terms are.

Sure I'll send you a PM for further explanation. 

I had to ask for an explanation.

@Joe Villeneuve Thanks that explanation made a lot of sense.

Clayton Mobley thanks a lot for this explanation.

And it sounds like you definitely need a new handyman - not wanting to work around mean people is no good explanation for late projects. 

The explanation above is how the market as a whole reacts to perceived risk.However for a Specific building, paying a lower price means higher returns and lower risk.

The UW will then counter the loan as an investment property and require 20-25% down or counter it as a second home with conventional financing with a min down of 10-20%.This is what will happen if a loan officer submits the file as suggested above.It would have to be a pretty rookie mistake by a loan officer (LO) though to submit a file with out the property explanation and documentation because it would not put your file in the best possible light and achieve what you've intended to achieve.Is it possible for her to get a primary residence ?