All of your confidential information is already online: financial, medical etc.

So it's possibly better in the long run if you pay it off, save the non-deductible interest on any car loan, then keep it for 10-20 years and/or 200,000 - 400,00 miles. 

The non-remodeled units are only selling about $35k less than the remodeled units.  

My further research indicated that any deficit in return on original loan amount is considered a "non-business bad debt" treated as short-term capital loss, but foregone interest is excluded (because individuals operate on a cash basis). 

I would suggest using local non-national banks they are eaisier to work with and you can establish a relationship just going to use them regularly instead of just poking in one day asking for what they have for you.

@Logan I.It seems like you have non-qualified use of the home since the property was originally a rental turned personal residence.Furthermore, there is depreciation recapture on the property that will need to be considered.You may want to see if you can convert it back to an investment property and take advantage of section 1031 exchange.

She wrote the check for 104k total, I brought the deal by always staying on top of the auctions, I handled the eviction process of the non-paying previous tenants, coordinated and managed the rehab, and will manage the rental for a 50/50 split of all cash flow and any equity earned beyond her 104k investment.

If you can't collect interest then put it in a non interest bearing account.

I have a non-residential rental property that I leased out last year and I am filling out Form 4562 for figuring out MACRS depreciation(39 years MM, SL). 

If using a lender this is a non issue.