I feel bad about his situation though, but I sleep better at night not having to worry about what happens if he can't pay off the loan then I am on the hook.

There is a fire while I am sleeping, I suffer burns (or die) because there was no smoke detector to wake me.

Ricky:You appear to have convinced yourself SFR does not meet your criteria, so whatever allows you to sleep at night is what's best f/you.

Their needs are pretty basic, a place to go after work to drink beer, cook, do laundry, shower, sleep. 

You will sleep through the night again someday.

And when you have to evict someone, your wife may sleep better at night.

So before and after all I've done is listen, learn and read about REI everyday that my fiancee said i talk about it in my sleep..like seriously having conversations lol But because I'm learning so much from my mentor, reading and of course BP (god sent) i have so many questions that i seem to get ahead of myself.

Im convinced the guy doesn't sleep. 

As to the mother living there, problem is the bedrooms are on the second floor and we don't know if his mother is in good health to navigate them daily to bathe and sleep.

Also have a newborn so sleep is a premium right now.