Let her know that you are the real ghost jk.. she’s probably looking for a excuse to get her payments lowered I don’t personally believe in ghosts when people bring that up to me I usually make a fool out of them lol.

And while it's still too early to tell how Opportunity Zones are going to affect lower income and other under represented segments, there is still quite a bit of housing stock available for rehab. 

If it's determined that you are not a tax resident of Canada you would be able to benefit from the lower US tax rates and additional tax benefits such as the use of 1031 exchange, and accelerated depreciation.If you would like to discuss your situation in a bit more detail feel free to reach out to me directly, I may be of assistance.Thanks, Elliott

Especially lower income housing.

@Stephen Meche Pets add risk and you should be compensated for the risk...just like your rents compensate you for rentals in a lower class area.

With an FHA loan, you can get a much lower down payment but you'll end up paying PMI each month.

@Kellee Koenig - I'm not sure where you are living, but assuming it's in a lower priced market if you're looking for a ~$100k property. 

If house won't appraise then lower price to what will work to get to that LTV.

Another possible strategy that lowers the risk but also lowers the rewards is to keep your existing property and rent a house in Milpitas.

I do not know your price point on your property, I have lowered rents as much as $50 per month from the previous tenant, due to current conditions.