Using the next ten years and the snowball method to pay them off.

I'd suggest trying to finding someone here with nothing to sell or through local networks that will give you some free advice before paying for a course.

She had to pay rent in May because she wasn't sure when her closing would take place.Landlord appears to have rented it out now.

@Hamada Beeka, since they have said they won't allow you to move in I would ask that they are offering to pay you.

Pay cash for the property and the rehab, then do cash out refi. 

I need to pay some good advisors for a few consults.

STR's are uncertain due to the term length, one month you can make all the money in the world, and the next you could be paying for those bills out of pocket, so it would have to be strategically operated, but at the same time they can be a fantastic source of income!

However, if we pay in cash, they will offer a 7% discount.

The $1250 amount would require the landlord to pay all utilities - which we don't recommend as tenants will abuse the utilities if they don't have to pay them.

You will see less of a benefit to extending that penalty beyond that, and if rates drop before then you would be forced to pay that penalty to get a lower rate.