Take the down payment amount and pay down my loan that amount.

She signed over the deed in lieu of payment.

Paying down the current mortgage wouldn't change your monthly payment, it would only reduce the amount of payments due.

That would be the norm when going from depreciable property to non-depreciable property. 

Investing in these areas comes with multiple tax benefits such as:Tax-free growthTax payment deferralTax discount for long-term commitmentAdditionally, investors can feel great about investing in struggling areas and stimulating economic growth in these areas.The investments must be owned by an Opportunity Fund.

I am not a fan of holding fees unless equal to rent and non refundable.

Non-Dutch Loans).

The early payment penalty is certainly something for me look in.Are you familiar with the Tampa Bay area? 

I purchased the Tax Lien from the Alabama State website, applied for the sale, received the quote, mailed the certified check for the asking price, and just received my payment confirmation with about two weeks to go to receive my Tax Certificate on the property.

DTI is crucial for these products even if you can get a higher LTV product if you can't meet the payments all the regulators don't care about your equity position.