Make sure to provide clear disclosures to the seller about the risks involved, especially regarding the existing mortgage staying in their name.Insurance Considerations – You’ll need to work with an insurance agent who understands sub-to deals, as the lender might require a policy that keeps the seller as the named insured.Due-On-Sale Clause – While banks rarely call loans due, it’s still a possibility.

Principal Paydown- If your loan term is say 20 years. 

In most situations - it will help.

@Joel Oh- if you are using a loan to acquire the property - the lender  requires  insurance ....if you own the property  free and  clear - your  choice  but I would still  recommend  insurance 

I contacted the hoa about fixing roof asap and also other owners nothing been done yet till today they keep giving fake promises. anyway, the tenant seems wanting to take advantage of the situation she called me once qnd said both her son and grandson slip and felt and she called ambulance and they are ok.

.✔ Potential changes in loan terms – Depending on capital market shifts, interest rates for real estate investors may become more favorable.3.

Depending on your current rate or if the current loan is short term or long term.

I think you would be wise to sell and use the VA loan for your new home. 

Here's a little background on Tenant situation...has 2 or 3 young kids, an adult sister, an aunt with her male friend and the lessee has a male friend, that all appears to live in the apartment but aren't on the lease.

Explore FHA loans and mentorship opportunities from experienced investors.