If so, why didn't she warn you a shared driveway would be a problem, elderly wouldn't like it, and families wouldn't want their kids playing in the middle of a busy street?

Turning them into collections takes some time to gather/copy the supporting documents, and you are unlikely to see money from it, but at least you have some satisfaction that you've hurt their credit and warned a future diligent landlord.

They'll be irritated, but they kind of sprung this on me with no warning and caught me off guard.

They also never suggested any payment terms.I then drafted a 'stern' letter which dictated the repayment terms, laid out the costs for the cabinet repairs, indicated that only the adults listed on the lease were to live in the unit (all others would be removed) and said that if these terms were not met, the property was to be vacant by October 31.

Do Not Disturb OccupantIt is a criminal offense to trespass on this propertyThat is the warning on auction.com website.Also you will be surprised at the number of bidders that come out and you would very  lucky to get it for $60k  and these are the recent salesAddressDistanceProperty TypeSold priceSold dateBedBathSqft68 Lucas Ave, Kingston NY0.05Single-Family Home$66,25012/10/1432.51,52530 Navara St, Kingston NY0.65Single-Family Home$80,00003/04/152182317 Klingberg Ave, Kingston NY0.93Single-Family Home$57,00005/27/15211,056208 Downs St, Kingston NY1.34Single-Family Home$65,00005/18/153199365 Flatbush Ave, Kingston NY1.41Single-Family Home$65,00001/02/15311,59034 Andrew St, Kingston NY1.61Single-Family Home$79,00001/02/15311,27312 Clarendon Ave, Kingston NY1.65Single-Family Home$54,00001/13/151152920 Brewster St, Kingston NY1.69Single-Family Home$61,10001/22/15311,50029 W Chester St, Kingston NY1.76Single-Family Home$51,00005/07/15311,468132 1st Ave, Kingston NY2.24Single-Family Home$62,00006/02/1521740

You're probably right regarding the REFI being better than the HELOC...and as long as you don't follow me too close...I tend to brake without warning...I guess I just warmed you.  

If they didn't do that, they would starve when winter arrives.The Future is VERY important.Another analogy I like to use is to Drive your Investments like an Investment Vehicle.When you look at past Data such as previous Sales, you are looking at the Rear View Mirror of your Investment Vehicle.When you look at current data, such as the current Rents and Expenses to calculate your Current cashflows or your Cash on Cash Return, you are looking at the side view... watching the action go by as it is occurring.When you look through the Windshield of your Investment Vehicle, you are looking at the road ahead.... seeing the path that it is taking you... and all the obstacles in the way.You are less likely to CRASH your investment vehicle by focusing on looking through your Windshield than remaining fixated on the Rear View Mirror or the Side Windows.If the bridge is out and you fail to see the bright red warning signs..... if your eyes are not looking straight through that windshield........ you will Drive your Investment Vehicle into the abyss down below.So please.....

You need to be clear about the risks (clear risk warnings have to be signed off before promoting) That said, a person with a deal can get 'listed' for £500 (think $750 USD). 

This is in Kingston and my realtor is very good and trustable and he did not warn me anything about homes that don't have a basement.The semi I bought was under market and has no basement but is less than 20 years old.Is this fine or do I need to look at anything that is concerning in these type of homes?

I would warn against cash.