Hi all, Do you know any free or low cost app for property management that has a daily late fee charge options?

VA assumable loans are another option you still need to cover the difference and they will have fewer restrictions.

I considered selling but it is my last option.

What are my options here?

It may be the best option but there are quite a few other strategies as well that could help lower your tax burden when you move on from this current property.

What is the best option/mortgage for me? 

Just getting started on this, and exploring loan options on the free and clear property.

A long term rental in the area would rent for about $1,800 a month, so as a backup that wouldn't be a great option.

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It's always a good idea to speak with a financial advisor or real estate professional to get a better understanding of your options