The company can deny any claim you make based on the assertion that it was a pre-existing problem.

But, just to get her out more smoothly, I might consider doing a pre-walk through. 

The cards come with a 0% APR for at least 12 months, but I don't think there is a way to utilize them without taking a cash advance at almost 25% APR.

@Amanda Kessler   So what you are saying is that I can't get a HELOC out of a pre-existing outright owned property to use for the build of a new home?

Plus the natural beauty of the area.. with all the out door opportunities.. lakes rivers  open spaces forests skiing hunting fishing .. its a paradise for the outdoors man and those that want to access to big city items yet have the country at their finger tips without the crowds of say a Denver front range..

We also got a pre-approval through an online lender, but this is based on the fact that we will have a tenant in place (the timing could be tricky, but doable). 2) I googled NC FHA specifically and haven't found anything yet, but I think since we have occupied the house for 5 years now, we will be in the clear. 3) Yep, our neighborhood has a big mix of owner/renter.

I've opened 0% intro apr Chase Ink cards to cover rehab costs before.

@Jacob Pereira@Charlie Chung@Christian RuizI'm thinking a pre-fab house would be quick and easy to put down in the backyard if there is enough square footage.

Do a pre-move-in walk of the property with the tenant and take photos of every room - and make note of condition. 

Any farther resistance from him on future issues and I would not renew his lease as a pre-emotive action.I would strongly advise you do quarterly inspections inside and out.