It's also not the most scalable solution, however a good little trick on your first couple investments as you're trying to maximize your income. 

With the lenders I have used, it would be very difficult to get a reasonable-on-a-monthly payment solution with that credit score. 

Personally, if my spouse and I aren't on the same page then we either need to work together to find a solution that's acceptable or it's not a good plan.

First, I would ask for proof that that plumber that did the repair was licensed, insured and bonded -- which I assume is required for plumbers in your city.Next, I would inform the tenant that, assuming the plumber is not licensed, insured and bonded, that you will not be paying for the work they had done, you will be sending in your own plumber to verify the repairs and that if they chose not to pay full rent the following month, you would evict them as well as sue them for using unlicensed contractors to perform repairs on your property without your permission.In other words, let them know that the most inexpensive solution for them at this point is to just pay their rent and not mention it again.

@Mark Marinaccio hopefully you found a solution for this, but if you didn't let me know and I will give you the work around.

As much of a broken record as I may sound, I can't stress enough how important it is to take this to accountants & financial planners where you can divulge your entire financial situation & they can layout multiple tax-efficient solutions.

I like Jon Klaus's solution with the tub and shower combined in one wet area.  

How much damage do you think her belongings sustained?

The first group is the one who wants to build a solid foundation for themselves to grow, scale, and sustain their business.

Any Wisconsin landlords out there who have a solution to keep yourself protected besides just being an awesome landlord that no tenant wants to retaliate against lol since they'll have your address?