The main thing I am taking away from everybody so far is that the repairs I am doing now are not unreasonalble for future considerations (which relieves some anxiety) and that I need to consult with my electrician before doing any modifications to the systmen - regardless of good intentions!

So far I have not had any recuring problems with this approach.If you have ever used a wood preservative product that was green, it is because of the copper content.

Since this is a problem that has recurred, she's not willing or able to make rent a priority unless served with a Pay or Quit.

You ain't buying a job here, that comes free.then take the remaining half, and deduct all taxes and municipal charges, any recurring payables. multiply by 10 at most.

Good luck @Dave Kay , I'm sure it will work out but these things definitely cause anxiety.

From Fannie:Borrowed Funds Secured by an AssetBorrowed funds secured by an asset are an acceptable source of funds for the down payment, closing costs, and reserves, since borrowed funds secured by an asset represent a return of equity.Assets that may be used to secure funds include automobiles, artwork, collectibles, real estate [EDIT: eg, a HELOC], or financial assets, such as savings accounts, certificates of deposit, stocks, bonds, and 401(k) accounts.Secured Loans as DebtWhen qualifying the borrower, the lender must consider monthly payments for secured loans as a debt.If a secured loan does not require monthly payments, the lender must calculate an equivalent amount and consider that amount as a recurring debt.When loans are secured by the borrower’s financial assets, monthly payments for the loan do not have to be considered as long-term debt [EDIT: in other words, 401k loans are not only acceptable, but we don't even hit your DTI with the payment].I like to push things; I've been waiting for an opportunity to use artwork-secured debt for ages but it's never come up.

If you're looking for a taste of non-performing note investing (aka "paper") buy the book, 'Performance Anxiety' by Gordon Moss.

You can discount the rent to someone in need, because of the disability, but that disability (I don't care if it's anxiety disorder- it counts) is what protects that tenancy from being a "illegal rental" under city code, because city code is no longer the prevailing jurisdiction, federal law is. 

I find it ironic that the ESA can quell a tenant's anxiety and in turn give me, the landlord, a like amount of anxiety.

or breathability and recurring moisture too ?