Any decent real estate agent can link you up with a few quality lenders.3) I think Nicole hit the nail on the head.  

@Robert Smith hit the nail on the head.  

You hit the nail on the head for me!

Scott and Mike hit the nail on the head, as usual.I would just add the following: You are in charge, not the tenant.

I asked them why not cut an access hole in the subfloor after you remove the tub and nail the piece you cut out back?

Don't forget nails, probably a roll of flashing, roofing caulk and possibly ice shield too, depending on where you are and your local code.

Option to purchase (you set the date with a price)Bill Gulley nailed it.

@Nicholas Vandervelde hit the nail on the head, sw side and fitchburg are probably the best areas, north side may have some appeal as well.Typically seeing slightly better than the 1% rule for properties.  

He hit the nail on the head.

There are a plethora of variables I omitted when coming to the value from the buyer's prospective, because you NAILED most of them with your first post!