In your case your best option is probably non conventional mortgage, aka private lender or some other source Good luck !

If they do this, they can typically also get a deficiency judgement against you.There is also a non-judicial foreclosure.

When we first started, we toyed with doing C-tier rentals but quickly abandoned it because the reality is so much different from what looks like amazing 'government guaranteed' cash flow on paper.

If you have decided to avoid a fight to inforce your rights, based on my opinion that the tenant is lying, your best option is to non renew at the end of her lease and in the future only offer M2M leases to applicants.

Purchase v refi, furnished rental income from subject prop v non-subject prop, new self employment furnished rental income v 2 years of self employed furnished rental business income, etc etc etc.

Can you 1099 someone who doesn't have their contractor or business license?

Most have some kind of public access computer once inside.

The non-profit National Tax Lien Association is a solid resource for knowledge & networkingNTLA.org

Since your sister received a loan to purchase this property she would need to wait 6 months to receive a 'conforming, conventional' loan (a loan that is governed by Fannie/Freddie). 

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