If necessary, get an extension on the time frame for you both to work out a solution.

So I've been thinking creatively about how to get a buy and hold to get some verifiable income and that was one of the solutions I was planning on implementing.

Hey Russell, did you ever find a solution to your problem?

@Wesley Williams I agree with you, the real estate agents solution is a temporary fix to a permanent problem.

I am wondering if anyone has a creative solution without going back to the bank?

I'm not sure in you have a Series LLC available to you, but that is a good solution and then could do all you want to do as segregated entities under one name.

RE can be very gratifying.Really helping a young couple buy their first home, making it work for them.Solving problems for others and really saving them from what they saw as devastating or an impossible situation like losing a home.Helping others getting started in some business guiding them to success.Being involved in community, providing safe and affordable housing, no hand out but a real hand up.Assisting people to get back on track in their lives from homelessness.Providing housing solutions through redevelopment cleaning up blighted areas for a better community.Forming relationships with professionals and laypersons that seek your advice is gratifying as well.Having the opportunity to pass on your experiences and knowledge, teaching others how to fish is also gratifying.It's not all about the money, it's more about your contributions in life, to your family and your community

The first solution that comes to mind is to deed the minerals only into a family trust or friend, then sell the property with no mineral resevrations.

I try to come up a solution to accommodate her paycheck schedule so I could avoid this late fee if possible without being taken advantage by the tenant.

My concern is simply that renters for a duplex wouldn't be of as high of a quality/less reliable than tenants in a SFH.