If you believe these tenants may eventually buy a home, you can record the judgement creating a lien and they would need to pay that off to get the financing to buy a home.

Everything has been off market/word of mouth.

If it were me, I would pay it off asap so I didn't have this hanging over my head. 

I am looking at an off market deal to help a neighbor and make a long term investment.

Only way your going to pull that off is with a partner or with private money that YOU line up (not a mortgage broker).I have bought houses with the vendor carrying back all of their equity - so it is possible, but I was working with motivated vendors (key word here), and without an agent getting in the way.

Don’t go out of your way to put yourself on a REPS treadmill you can never get off unless you fully commit to the decades or lifetime of defer defer defer and never realize the income.

She can keep the ramp in her apt when not immediately used.  

I could be off here, but my understanding is that if you are already in the business, you have a precedent set and can depreciate furnishings as you scale your portfolio. 

That means you can never take cash out again unless you pay it off.

I am looking to find more off market homes in the surrounding Rural Markets of Ft Worth for flipping and/or keeping for rentals