This represents the proper way for a tenant to request a disability animal.  

She is open to owner finacing but it has to be short term and she still owes on the property, so she would have to take a second on the property, and I do not know how much the current balance is on the loan. 

The assuming Borrower may assume 100% of the outstanding principal balance of the Mortgage, subject to the restrictions on LTV ratio for Investment Properties and HUD-approved Secondary Residences.”FHA loan assumptions require the lender to prepare special paperwork showing that the original borrower is released from the financial liability of the mortgage loan.

However, If I have to choose, I choose the one with the lowest balance. 

My inspector failed to properly inspect my roof and consequently leaked 2 weeks after I closed.

My mort balance is $110k, while the heloc is $44k. 

Confirm the heat is working properly.

This is important since you'll want to know when to use the proper tool for the proper job.

Leverage increases your returns in most cases to 10%+ when properly done.In reality for every dollar of dead equity you are losing 10% - 4% = 6% lost income.

Property purchased via "Subject To" and a wrap mortgage for the loan balance.