I personally have mine through USAA.  

How would you explain these buyers terms to the seller. ok. 30 year amortization means the monthly payments are based on a 30 year loan, but at year 20 whatever the balance is they pay it off then (balloon payment)Personally I would NOT accept any of these offers.

I don't mean the following to sound discouraging, but I would encourage you to be extremely cautious and conservative before buying a random property in Dayton because someone - a property manager, an agent, the seller of the property, some random person on BP - tells you it's a 'great deal,' and you will 'cash flow.'  

I have no idea how she got my personal email address:"Hi I am at xxxxx Tucson, AZ.  

Interesting, you do the in person follow up after they agree to terms? 

David,You can also use a personal loan which is generally easier and goes up to $50K. 

Then you have a person in that market if you get an investor deal.

I personally use a broker for my properties so they can shop around, unlike Allstate.

They have no income, so they can't refi or HELOC to use their equity for their personal expense.

At 65 personally I'd want debt paid down or gone but it's not bad to add some more properties.