I am a Realtor and do work with investors and have worked with some wholesalers in town that have made deals that were a win-win for all.  

@Meghan Reed One day, if we play our cards right, we could be neighbors in La Jolla.

How should I handle this to create a win/win outcome for both me and her?

Start with Net-30 trade lines and then graduate to credit accounts and cards.

Can first born win case evidence of probate proceedings.

If you don't own your current residence but are paying more than 100-150/mo then my common sense says you're winning.

I, too gave gift cards.

Seems like a win win scenario.

What this all means is that if you are close to the edge, you either need to put more cash in to lower your payment, or reduce some of your other payments (car loan, credit cards), or make more money - for example, take a second job until you get through your loan. 

Since this is a numbers game, the only way you can answer the question is to do the following:Establish a relationship w/ a realtor winning to run some comparables for you showing the potential value if you convert from a 2 flat to a singleIf the values are not significantly hire than your mortgage then hold on to it as a 2 flatIf the values are significantly hire than your mortgage then get some estimates for converting from a 2 flat to a single.