Nothing (US stays locked in this moment in time forever)Let's just assume there's a 33.3% chance of each outcome. 

He said their lock is on there, but he never gave them permission or authorized for them to do any of this.

That's why I was leaning toward Heloc, didnt want to make payments on money I haven't used yet, but then again I'm gonna leverage my primary residence would like to be locked into a fixed rate at the same time, believe I can get into a 3.875 right now on a cash out refi.

Get a 4 mm thick click lock vinyl wood look with no less than a 12 mil wear layer and make sure it has either an aluminum oxide or ceramic bead finish for scratch resistance.

post 24 hours notice to enter (assuming your state requires 24 hours. some require 48 I think). then go in. if the locks have been changed, drill them out and replace them. bill this to your tenant. you should also stress to the outgoing tenant, that the illegal tenants possession of the property works the same as if the tenant never left and the original tenant is jointly responsible for anything the illegal occupant does. stress that you cannot force him out without a lengthy eviction, but him and his brother should do everything in their power to get him out ASAP. continue your eviction process, and do not stop until you have full possession.

Maybe set up one room like her bedroom with a locking door knob so that she can put kitties and 'stay out of this stuff' in there and feel save while you work 9 to 5 each day. 

@Mitch KennedyI agree with  what @Tim Swierczek and @Alssya Strom has said about PMI....plus when you build up enough cash or the property appreciates you can get rid of PMI so not like you are locking yourself into a PMI payment for 30yrs.

There is nothing wrong with being cash rich while everyone is in loans up to their ears.

I'd try to get it locked up now.

“It doesn’t change the published price,” however, and therefore does not affect area property values.Opendoor uses a smartphone app to allow potential buyers to tour its homesDigital locks allow anyone with an Opendoor smartphone app to tour a home with or without a Realtor.The app unlocks the front door, and tours are allowed between 6 a.m. and 9 p.m.Realtor Katie Tarpley, with Better Homes and Gardens Real Estate Lifestyles Realty, toured the Livery Drive home with her customers.They liked the home and made an offer, she said.