Thank you @Gino Barbaro @Ryan Ball @Diane G. for your feedback and guidance.You are all correct, it seems the biggest question is even though the numbers work great, there is risk in collecting rent, damage to the property, vacancy and if I'm prepared for that emotional stress.There are a lot of naysayers out there that have been guiding me towards passing on the deal and looking for something I would be more comfortable with.

My takeaway on this is ‘controlling my emotions’.

I hope it seemed fair and without emotion.

Unless there is significant equity or some emotional reason to save the family home, it's a headache and your action could very likely trigger a due on sale clause in the security agreement even after you reinstate the loan.

@William WalkerYou never cease to amazeMy view of business situations is not handicapped by emotions and I do not factor other peoples feelings into the equation when making business decision.

If your Piti is that high realative to potential rent revenue then I think you are making a decision based on emotional attachment to the house not an investment decision.

For purposes of housing, it does not matter if they have a true service dog, emotional support animal, therapy animal or any other designation, all need to meet the HUD guidelines, and there is NO "official" Registry for any such animals.

Still and all, it was emotionally exhausting just 'not knowing' if we would get there in time!

The premise is the valuation model is switched from buying for emotional and utility reasons to income reasons.

@Lauren Heart You certainly want to address this asap before tenant tacks on 'infliction of emotional distress'.