Particularly if you have old plumbing or other issues that leave you prone to flooding.It sounds like this tenant is a PITA anyway so I'd offer them the opportunity to pay the full amount and put in their notice to leave without penalty. 

I only had to put in 10k down (20% of the $50k purchase), plus closing costs of $2k. 

Do I need to have an expert put in writing that it was human error and is that even possible?

My agent always gets me rental income, annual expenses and vacancy information before I put in an offer.

Don't get me wrong I understand why these rules were put in place and there is a huge underground economy that is not paying taxes.

I thought that was pretty high for closing as well, but that is what the realtor put in the estimate for me.

Amazing what happens when you don't spend all your time bitching about the drama in your life...and by this time I honestly deserved to so some of that bitching, but I put in the hours and got it done.

Or take out the gas stove and put in an electric one.

Should we just hand dig and level the hill and put in the sod? 

They give you sessions that are online that you must watch and complete work books and for most of the sessions with the instructor he went over what we put in our work book and ask if we had any questions .