So unless my math is way off here or their %s are off:Income:$60K/yr - 35% = $39K/yr or $3250/mo------Expenses:Mortgage (~$1400/mo @ 300K)Taxes ($333/mo, say $4K/yr)HOA ($850'ish/mo)HO-6 ($50'ish/mo)Misc (health club, phone in room, electric, $150'ish/mo avg)Repairs ($100/mo) = $2833/mo------Not the best investment (not even close to the 2% rule) but frankly it doesn't look like even close to the worst either. 

Wishing everyone health, happiness & prosperity!

My husband is retired from a career in mental health case management. 

Its a health issue and you can be putting yourself at large legal risk specially when using public forums that can be used in court by any smart attorney that has the resources to find.

My employer (small business) doesn't offer health insurance, has limited vacation time, and isn't very flexibly on salary increases.

So we gradually transitioned them and they either moved out or stayed with the new rules.Your local health department might have smoking cessation materials available that you could give to tenants who smoke.

I am a property manager/ maintenence contractor for my family's 40 units and 12 other units, work as an Admin assistant for our Home Health care company and have my own Product design startup company.

This sound crazy, I personally wouldn't use the animal hoarding as a part of my evidence unless it they are in default of your lease, because my understanding of hoarding is linked to a mental health issues which may be under the Fair Housing Act protected class regarding disabilities, I would probably just stick with the non payment of rent.

I do have management experience; this experience is greater in the field of mental health.

In fact, the wealthiest people I know say there is a movement to consolidate the 2,000+ banks down to 5 or 6 Banks...and the over regulation is part of that movement.Day care business; regulatedHome health care; regulatedCatering; regulatedOpen a bar; regulatedInternet sales; regulatedIt's hard to think of any business that's not regulated these days.So when it comes to "Owner Financing"and regulation, it's just another day of the week.