You would need to acquire data from outside sources. e.g. if you asked her what branch of the military she was in, who her last commanding officer was and some other details, I'm guessing you would get more riled responses as she's thinking this isn't as easy of a put over as she expected.

Where as the success of a dividend for a whole life company comes from one of three places: a) over charging clients on whole life policies b) outside investing c) more profitable insurance products I look for a company operating in area c. 3) A competitive borrowing interest rate. 

Not sure what your price point is but I would save up some more money or look outside of your area all together 

Think out side the box pull from a 401k.

.*  Wife pays a to-be-agreed-upon interest rate on my half of the equity until it is cashed out.Questions:*  How would you resolve and protect yourself, outside of selling the home?

And just so you know she had hired an attorney because supposedly she broke her ankle outside the property. 

First really want to help the tenant ,Second should landlord be responsible for something like that in the lease we have that we are not responsible for pest after the first month but this coming from outside .

Plus does BiggerPocket calculator works outside of America for calculations?

The South Bronx in particular had the cheapest rent of all the areas immediately outside Manhattan AND was highly commutable.

You can also try thinking outside the box to solve the late rent problem: suggest they pay the rent in two split payments, on the 1st and the 15th.