Then we decided to remove all carpet and continue hardwood floors along the existing hardwood floors.

To go along with what others say it is probably best to avoid lending to family members, unless you willing to lose it all (and still continue to have good relations). 

I would recommend continuing to learn and building up your savings.

The key now is to continue to grow your portfolio and pay off those properties as fast as you can!

You are banking on it continuing. 

Rent-o-meter shows good rental comps over in that area and as W.Phila starts to develop, properties continue to appreciate.

Hi All,I tried posting here 19+ times and my posts continuously got deleted.

Theoretically, yes, it would cost them more to continue the foreclosure process. 

It was also a great investment, but not something she or we wanted to retain and try to operate from a different state after graduation, so putting the house up for sale at graduation was always the plan.Our daughter's part of the bargain when we purchased the house was to keep the house full of renters, which she was able to do all except for the final academic year, when continued covid-19- related campus closures, which drove many students to take classes online from their parents' home, meant one of the 7 beds was empty. 

Help others continually and in time you'll be rewarded.