More practically, I suggest burnishing your credit until it sparkles, paying off high-interest consumer debt(if you have any,) reading and listening to podcasts(and definitely avoiding the high-priced 'guru' classes,) and saving up for a downpayment.

Your entire life will be consumed with this from jump street.

While it certainly does enhance your tax return, that's too narrow a view.Many accountants fail to emphasize the investment benefits of tax-free compounding - it is truly awesome!

@Ryan Harris a good lender is simply a way to enhance customer service to your clientele.

The credit card providers employ thousands of analysts who graduated from top universities to pore over data in order to draft offers that they are statistically certain will get consumers into trouble.

Are you saying pay off your consumer debt with the 25K or pay off the mortgage? 

We buy a lot at the sheriffs sale and it can be super risky and time consuming if you dont know what you are doing.

There may be loan options, but I encourage her to buckle down and pay off organically.I got out of consumer debt using Dave Ramsey's FPUmans free podcast.

Yes, those Owner Occupied Loans have a lot of restrictions because it's not made with the intention of letting consumers profit. 

Others want to e-file their own lawsuits, without time consuming trips to the courthouse.