This first year of research I’ll be working on my personal finances and credit score to be ready to purchase something after that portion or preparation.Ryan 

Additionally, Beaver Falls is relatively convenient to navigate to the city and other areas, a 15-20 minute drive to the airport, and easy access to 376. 

Plan is to add two additional units to the bottom floor and remodel the upstairs unit. 

@Jamie Parker  I would start talking to local banks/credit unions that do investment property construction loans once you have identified the project and have some details. 

Build a legal rental unit with kitchen, bathroom, new windows and others, according to the design from Sokol Design-Build GroupDig out the basement and install a new concrete slab, it's a separate addition job and will cost $ 15K - $ 20K.much better than the first one (and yes both are insured and are experts in the field) I may have to GC this project myself to save some money. 

For me I would rather sell it all and put the money to the CD, it's not even worth it anymore considering the low cap rate and huge additional supply that keeps coming up.

Quote from @Chris Seveney: @Jonathan B.Advise her to file bankruptcyThe arrears will be rolled into bk and paid back over 60 months Wouldn't that be devastating to her credit?

It's wise to take into account market research and any upgrades or additional benefits for the tenant.Determining when to raise the rent is influenced by various factors such as lease renewal dates, local market conditions, tenant satisfaction, and lease agreements.

Next you should at this juncture be focusing on big picture things like paying off any high-interest debt, credit cards, student loans, saving for a down payment eventual home purchase and focus on your family. 

Additionally, you need to have losses to deduct --- that's kinda the opposite of making money.