Hi Greg,Most banks only go 60% ARVMy thinking is to payoff the mortgage and use the remaining to invest!

It is often easier in a balloon framed house to bring the attic into the conditioned space than try to air seal the tops of all the walls.However, if you do spray and insulate the underside of your roof deck in most any climate, but particular in a colder climate, you will also want to insulate the topside of the roof proportionately to ensure the roof deck remains in a narrow temperature band and you do not have condensation/moisture collecting in the roof deck.   

I purchased this property in June 2022 and inherited 4 tenants. 2 have since moved on and 2 remain. 1 tenant recently complained of mold in her unit.

My money remained invested so I used their free money.While most borrowers won't have large cash reserves, underwriting will look at a credit line and the ability to pay it off in full, so there is a point where debt becomes more irrelevant in a credit situation.Another point is debts with less than six months payments remaining, these payments generally won't be counted. 

In that case the property would remain solely yours as it was non marital property owned before the marriage and she would have no claim to it unless there were upgrades made during the course of the marriage using joint funds, in which case she would have a right to a portion of the value increase created by these upgrades. 

In my opinion the investment is not worth the risk without cash flow.If you can determine in advance that you can in fact divide and sell, risky, then possibly but you still need cash flow based on the value of the remaining property.

Also I am willing to send you a signed non disclosure agreement so that any conversation you and I have or financial data you send me will remain private.What is the best email for me to send you that information?

@Gary Grantconventional loans is the best option if you do plan to remain in one of the units for the next 12 months.

If there were no election, or a quorum wasn't reached, or no one was elected, then there is nothing to turn over and trhe existing board remains until the issue is resolved and a valid election is held.

I would check for things that attract pests.Pests, plumbing leaks, are my biggest concerns.I had a tenant once who let water remain on the bathroom floor.