Is the 18% loan secured by the property? 

Most investors rely on hard money lenders to secure non-homestead/investment properties. 

My plan is to secure a 3 or 4br on an FHA loan as an owner occupied.

Events like that rock your sense of security even though they have a very low likelihood of reoccurring.You might want to ask the police their thoughts on your best course of action and/or responsibility.We've had garbage like that while occupied by the loser tenant, but not after. 

I just did my entire rental with the Lifeproof planks....its really easy to work with.You can easily trim/grind/file the material to fit tight up to the edge of the tub.....its just going to be tedious to do.

Be sure to get your county rental inspection from a licensed inspector and file that and the few other forms with the county. 

I gave them a 1 year lease with no raise to their low rent. ( I know - dumb).now that it’s up I’d like to raise rent And offer them a 2 or 3 year lease so I have security. 

My primary focus is to great passive income and too secure Financial freedom so I can enjoy the time I’m given with family and friends.My main focus is buy and hold rentals (single family, and multi units) but wouldn’t be opposed to a fix and flip or wholesale, I personally think having some of both helps with an exit strategy depending on the market.

I might do it if the agency would be responsible for rent and security deposit/damages.

So really, this is a no money down owner financing deal, but the liens have to be paid before we can move forward.I'm looking for $175,000 which will be secured with the 3 multi-families I mentioned above.