The house I will get is in a lower income area, currently worth $95-100k, and she still owes about $25k on it.

The wrestling and wrangling you would have to do to collect would never be worth your time. 

Because little Johnny's Mommy wasn't too pleased when showed what the "nice kid with a backpack" gave him for selling him his "toy" and found out it was worth a whole lot more than a "handful of jelly beans".... 

This will be costly in today's market and interest rates, but might be worth a shot if they can afford to stay.If they don't want to stay and you want the the townhome to rent to someone else and just want to assume the loan, well then she can call the lender and see if the loan is assumable. 

if that doesn't sound worth it to you - then we're back to that HYSA. 

It might be worth a follow-up closer to the move-out date to confirm their plans, but avoid excessive contact to prevent escalation.

If the client is in CA the community property state laws may help here (not entirely sure) depending on when the property was acquired but it would be a great question for an attorney as Jason mentioned.If they were married and went through a divorce it would be worth looking into how the divorce paperwork stated how that property would be handled.

More on DSCR loans in case helpful: DSCR loans won't use your income to underwrite the loan.DSCR loans are based off of down payment, credit score and either actual or market rents so it helps to supercharge an investor's real estate goals and net worth.

It is worth noting that this is a completely different product from Sean's.

🚀 Real estate can be a challenge, but the rewards are absolutely worth it.