If you really like the tenants and would hate to lose them, can you maybe counter it with a positive white noise solution?

A solution may be to open a large soft money line of credit and do deals straight cash and use profits to pay off the 15yr note properties in 3-5 years.Just my thoughts~J

My wife unable to work again, medical bills...Looking for the best solutions for my wife.

@Paul Dillon I never heard of them and I did a lot of research when I started looking for a solution.

Wrestling with the various categories, running your own metrics in Excel, and matching things up with Schedule E at tax time will open your eyes to all sorts of operational details you might otherwise miss.As you grow and add more properties, there are some great cloud-based "rental property tracking" solutions available at very reasonable monthly fees.

I work full-time for a software company that has created a fantastic CRM/Deal MGT solution specifically for Commercial Real Estate brokers and absolutely love it.

This would probably be the easiest solution, but I also don't want to scare future tenants away by saying that it's 100% electric heat.  

@Shelly Smithif you just need a closing attorney there are tons but if you need one that can structure a RTO or some more complicated transactions I would go to Brian Elam of Innovative Closing Solutions.

if you are lease optioning  from sellersIt's depends on what you're planning to do with the property once you have a lease option from the sellerThe common situations areYou are going to lease-option from the seller and then sublease and sub option, this is called a sandwich lease-optionSecondly, you are going to lease-option from the seller and assign the deal for a fee, this is called lease-option assignment, or cooperative lease options, or Wholesaling lease optionsLastly, what's common is that  you are going to live in the property yourself, and you want to rent and then own the propertyNow if you're going to be a Real Estate Investor, knowing the existing financing is importantIf the property has very little equity, for instance the ARV or after repaired value is $100,000, and they owe $95,000, there's only $5000 in equity, and that money can't be taken out of the house because it cost 10% to sell the house or $10,000When sellers see that it cost them to sell the house, where they have to cut a check at closing, they tend to look at all the possible solutions, like lease options, subject to, wraparound mortgages, land contracts, etc.I encourage you to have a good contract attorney so that when you have a motivated seller if you can give the sellers a cash offer if there is  equity and one or two terms offersRemember, if the seller is fighting you getting information from them, they generally are not that motivated to sellI generally get the details of the house mortgage when I do the walk-through, it's important not to be too nosy over the phoneIf you know how long ago they bought the house chances are you can guess how old the mortgage is, unless they refinanced the house@Steve Vaughan

Don't focus on the problem work on the solution.