You may want to check on the health of the HOA, though, to be sure you're not about to be hit with some stupid high assessment. 

They want to get you committed in writing to sell and pull a way to hit you with a much lower price in hopes that you cave.

If I did not pay the loan, then her credit would have taken a hit and the repossession process would have been between the bank and her. 

In the backyard is an additional separate efficiency apartment.

@Michael Lynch hit on all the right issues. 

It should have just hit the MLS, one of the few duplexes in College Place so it's hard to miss. : )

They are currently doing weekly and monthly rentals (some are efficiency type units).

The first option with duct work seems more expensive and intrusive to occupied units.Unfortunately there is no natural gas available nearby to tap into, which is of course my favorite way to heat.Any thoughts or advice in this area would be appreciated.Also curious to know if anyone is familiar with federal or state (we are in MD) tax breaks or incentives for improving efficiency of a building, or converting from oil heat. 

There are definitely some decent efficiencies and economies of scale with starting out with multifamily units. 

They have a great platform no doubt, and drive great results.However, they are moving into Hotel deals as they offer a scaling-up and efficiency of time and effort, but the management % they are proposing for a real estate deal is 20%...