I worked in consumer credit for a few years.

She should read the landlord tenant handbook for your state and understand it so that she follows the law. 

Thank you for the idea of even shoveling snow, definitely a great example of something I could offer someone in exchange for shadowing the process, pretty much anything to help the rehaber focus on their project and less on smaller time consuming tasks.

I started playing the BP podcast, it went one after the other, and before I knew it I consumed 20+ episodes in about a week.

Looking at it from a consumer standpoint, I personally would pay more....as much as I can afford.

It will take some time for consumers to get the message on the current interest rate outlook.

Any competent lender (like the one you will refer to your tenant) will give someone  viable 3 month plan within 3 minutes of looking at the non-consumer-facing credit report pulled by said lender.If it's beyond the scope of 3 minutes / 3 months, then you're looking at professional credit repair services and 18+ months.

Save your money, no new cars, no wasting your cash consuming new CRAP...invest!

Hi @Kenneth McCormick,Inter-generational wealth by keeping the real estate "in the family" is much stronger in the SF Bay Area than most places, so I've become an accidental expert in this due to consumer demand.You actually checked all the boxes to be able to get the best financing deal possible:- Owner occupant.- Immediate family is seller.- Lots of equity in the deal.

It is a great option if real estate becomes more time consuming.