Adwords would be a better bet, since the market identifies themselves by the search intent of the query.

(All bets are off during this supply chain issue and massive inflation situation.).

[ $995 * 12 / 5.059322% = $236k ] I bet when you posted the $995, it actually had some pennies on the end, like $995.13, and the interest rate is a rounder number like 5.06% & not 5.059322...%.Need to see the actual mortgage statement to really do any more number crunching.

Check out https://www.rentrecoveryservice.com/ or a similar service as that is probably your best bet if you are reporting just one delinquent account.  

Your best bet would probably be house hacking as you can try for down payment assistance and use an FHA loan to put only 3.5% down to get into a place and then live in it and rent it out if you get a duplex, triplex, fourplex, or rent out the other rooms of an SFR.

I think SF condos are a good bet for the long term, especially if you're living there..

The Note can be secured with a Mortgage (or Trust Deed) on the property.I suggest talking to a title insurance company or real estate settlement attorney to help walk you thru the paperwork.If you have a situation different than I've described, all bets are off. 

A lease option may be her best bet to get out of the property and move on.

To add to what Jon said, you might be able to bet on LUCK to keep your expenses down if you're only going to own one duplex.

I bet that you could get your rate fixed if you were really persistent.