She is currently in a Debt Relief Program where she pays a monthly installment of several hundreds with the goal of fulfilling her debt in 4 years.  

I think most of us legit lenders are going to take LTC into consideration in addition to ARV.

in addition, some prohibit rentals or have rental quotas, most of which are already reached and effectively are prohibitions. 

I appreciate any additional input Chris! 

Choose smart debt terms.What would you add to this list?

In addition to what others are saying here, I'd just advise that you don't leave your property with the PM and never look back.

Get rid of debt, build a budget, and save.

In addition to many insurance providers pulling out of the state of Florida, we heard of big insurance issues in coastal cities in South Carolina, Georgia, etc.

FSU, NCDOT & CCS are investing an additional $130 Million into the areas around Murchison as well. 

Both of these metrics are used to measure, or determine risk when financing commercial property or making a commercial mortgage loan.LTVThe loan-to-value ratio, or LTV, is a measure of the relationship between the loan amount and the value of the commercial real estate (collateral).Calculating the LTV helps commercial real estate lenders determine both the qualification of a borrower and the proposed terms of the debt being considered.LTV = Loan Amount / Appraised ValueBe sure to understand that the LTV will be calculated off of the appraised (market) value of the asset.