If you have credit card debts with high rates/high balances I would focus on paying it down to 15% to 30% Max balance to credit limit ratios to lower your DTI - Debt to income ratios, increase credit scores and be in a better position to buy more properties at a lower mortgage rate.

We are considering paying her a bit of premium.

Ranching is not foreign to me, but as an investment property I wouldn't be operating it.The seller is only willing to go as high as a three year balloon.It is on a well and has a septic system, both of which I would pay to have inspected prior to purchasing.

They are bad renters and there is a very good chance they won't pay the last month of rent.

Understand that a caretaker is a service that you will pay for. 

From what I see it's not stellar in terms of population or job growth, but does look like it saw big price increases lately, I assume it's mainly population from Charlotte moving out to get more bang for their buck.If you're an investor with properties there I'd love to hear your thoughts on the market in general, how you see its potentail, the population I can expect as tenants, and things to pay attention to.

I'm new to this concept, but I've heard insurances will pay recently for displaced families.  

Which is fine if you are willing to pay and get enough value from it.

Or you can save $200 now and probably pay it later when you start having problems and need to figure out why.

Here to pay it forward, let me know how I can help!