For starters I've started Clearing my debt which isn't much.

I think when you look at this deal from the outside it becomes more clear. 

I feel like the potential for turning it around is huge but how could I go about it if she does not own it free and clear?

Secondly, if there is a larceny (or worse), you want a clear conscience (and no culpability) if you are ever asked by LE or courts whether you changed the locks or not.I know some people on here don't like them, but I have had good results with the Kwikset Smartkey system, which makes this a 30 second job.It's really a small price to pay for great return via goodwill and safety.

Also you should find out before you ask the question if the property is free and clear.

Just have to be clear with the tenant to fill out the background check etc on Smartmove, and then go to Cozy and fill out the application, and not to do the Cozy background.

I also used that primer on my kitchen counter, then a faux granite with latex and a coating of epoxy clear finish.

Am I seeing this clearly?

What type of paperwork should I bring to the owner to clear out the terms and such?

The title company uses that to pay off the existing mortgage, and you get clear title.