I could have said this is the date and that's it and I did but they kept putting it off with excuses.

Urged them to make a withdrawal and pay the tax penalty because this program, training, education will change their life.

but the $7000 to pay off the vehicle will only save me about $600 in interest whereas investing that 7k into another home or renovations, like adding a new bathroom to my current 3bed 1bath home, would yield way more than the money saved.

His rent pays our property taxes, our water and sewer bills and will be paying to replace the windows in three of his rooms come springtime.

Has anyone found lenders (preferably credit unions or small local banks) that do HELOCs on investment properties, or are okay with a tax return that shows income generated occasionally on a 2nd home?

Anyone in SOCAL familiar with how to write that off on our taxes?

It might work.Next time, don't be so chatty showing off to the inspector everything you did.

@Aaron Simril you can try to sell it and hope a buyer will overlook these issues.Check your state laws, because in Michigan, you'd be legally required to disclose what you know about any repair issues and would be liable forever.Appears you may also have the opportunity to sell and avoid capital gain taxes on up to $500k of gains from a sale.

I have a property manager who suggested we did first month half off as an incentive.

If you decide to switch it over into the  LLC I would ask let the lender if they say it's ok, get it in writing that they won't call the note due (if the loan is in your personal name).The thread Nicholas sent you is really informative.