The biggest fear is that taking action will lose money and possibly your credit standing. 

Historically hotel restaurants lose money in this space.  

What are your thoughts about this deal if you don't mind looking at it:Looking for advice on offer/max price.Also looking for what I missed in calculations.First the hard part:This property is in rural TN in a town of about 20k population.Current owner has been renting to local college for basketball players/coaches (both boys and girls teams have used it).

I always worry on running out of cash on a  rehab and losing months of rent before i can do them.

PropA rented for what I paid in mortgage, so I am losing $79 due to HOA dues.

@Mayour Patel The Connecticut MLS is still the dominant player for listed deals around here and is where most of my clients find their buy and hold multi-families or even the multi-families they rehab.There are some auction sites as well that provide some access to potentially good deals as well.Feel free to reach out with any specific questions as I am very familiar with the market around the area that you live.

So the people in the house decide they don't want to buy the house now but don't want to lose their option money.  

Just want to also clarify that using equity in your current home is great to purchase other properties but remember that it shouldn't add a burden you can't handle or you run the risk of losing both.

You can be in the note "business" for 10 maybe 15 or even 20 years and never have an issue, you can also buy your second loan and lose your tail and be fined from not being in compliance.

Unless they're self insuring, which they will lose their butt on that if they are around for the next 10 years giving away equipment at that price.