Looking at your lease terms compared to what I see on the ground during inspections:1) The big issue is where the cord goes. 

Reach out to a lender who can do Hard Money/Private Money (I can do this if you are having issues finding someone you trust).

Yea I suppose that'd be an issue for those folks.

You could just ask her to send you a recording of the noise as a first step. overloading can also be an issue. 

Never had a lock out issue sticking with the last 4. 

However, based on the numbers I've reviewed, we are so far behind on housing availability right now, that this won't be an issue for the foreseeable future. 

I have this issue with my beach property :)Overall your approach to using cash and getting a loan later isn't a bad one at all.

I don't like relying on appreciation, especially in a relatively flat market like ours and California seems to have a large number of problems, affordability issues, consistent outmigration, etc.

The IRS cross-references your 1098s with claimed deductions, raising concerns if discrepancies arise.Private Lenders and Forms 1098: Private lenders are required to send Forms 1098, but only if they meet specific criteria:The private lender operates as a “trade or business,” distinguishing professional lenders from casual lenders like friends or family members.The loan is issued to an individual or a disregarded single-member LLC.The loan is a mortgage secured by real property.The annual interest paid on the mortgage was $600 or more for the previous year.The conditions leave some room for interpretation, particularly regarding the “trade or business” clause.

@Paul De Luca thanks for the tag!