I'm withholding a pro rated rent amount for the time the property was held and an admin fee for getting her set up with all the documents and managment software.

I hear countless horror stories from borrowers who get held up due to bad bank administration policies which are most impactful when you’re working on a draw schedule.

My gut says that if you are still break even or better, you'll be glad you held in 10 years time. 

As, title is held in husband and wife's name with right of survivorship, but only the husband's name is on the tax assessor's record.

You should advertise that all existing ghosts, if any, were held over from the previous place. 

My question is not related probate or step-up because he has not decided to sell the property.In 2022 my dad held a life estate interest in the property at the same time providing a remaindership to both his sons.In 2024 my brother Travis gave his share back to my dad through a quit claim deed.  

It is also my understanding that many lenders still require a personal guarantee for properties held in an LLC.

Truth is it can happen to anyone at any time I was holding a $30 an hour job that I had held for 15 years and got laid off in the pandemic ended up on unemployment hurt my back.

I've held several different jobs just to make ends meet until this year.

One of my mentors is one of the largest privately held owner/operators in the US and am familiar with his criteria.