Look at this:"In a significant policy change, Fannie Mae has announced that, starting from the weekend after November 18, 2023, it will accept 5% down payments for owner-occupied 2-, 3-, and 4-unit homes.

@Dave Kush has a good concept...Get her out, but make it as easy as possible on her.

Vinyl tub surrounds need changed with nearly every tenant turnover (granted my tenants average about 4 yrs in my SFRs).  

Greetings Fellow REIs,I took the plunge into REI approximately three months ago and have been immersing myself in learning ever since.

If a good deal comes up that I can only get 10 or 15 years, then interest only helps or if it's negative cash flow, get another with positive cash flow to balance things.Seeing how 85% of my properties are seller financed or "subject to", sometimes I get terms that I can't change and sometimes I can dictate what I'll pay.

I made the case here: https://www.biggerpockets.com/blog/this-housing-market-isnt-... and nothing has really changed other than a fear that the massive deficits the government is running are acting like a stimulus that's keeping the economy afloat but only for the time being. 

I would love to learn about all options that are appropriate for BRRRR The purchase of the property can essentially be what ever way you can acquire the property, cash : hard money ; traditional financing.

Quote from @Charles Chang: I ran into Toby's YouTube videos and they are great!   

Yes market conditions definitely would change many dynamics.Sounds like you are on a good roll,thanks again!

Plus, what are the ramifications for any structural changes should you not rent.