We see the Car there everyday and night and the new person brought me last months rent.On top of that we are now smelling Cigarette smoke through the walls since they ”moved in.”What should I do?

The costs are Exactly the same as buying any other property.....all debts and liens need to be paid off at closing along with your normal closing costs.  

However, that is normally over 27.5 years or 39 years depending upon the type of property. 

If there I  neighbor's kid they love those chores, and give them ten or twenty a month to check for the papers.Ask a neighbor to park their car in the driveway every so often, and encourage it if they re having  party and need room in theirs for their guests.

It's just a normal cash out refinance.

What is normally done, is it typical that they get paid regardless of their performance, or lack of performance?

Pay your tax bill.Can skip on the other standard 10 or so documents otherwise normally needed for preapproval, this is a limited pre-preapproval to see if that is even a good use of your time to locate and send that other stuff in.The above shouldn't take you longer than 20 minutes, tops, plus waiting for turnaround time.There ya go.

For instance, I have a loan on my wife's car (2019 Odyssey) for .9%.

I've found the best rates for lending to an LLC are coming from the "Private Banking" side, which is normally offered to customers who have a larger amount of holdings within the bank

Understand "why" you want real estate and write down your goalsNo TVNo radioNo social mediaNo games (except family stuff)Turn your car into a mobile university (podcasts, audio books)Get up earlyEat a simple diet (simplicity and mind-share)Keep a simple wardrobe (simplicity and mind-share)Give up social stuff for a year or twoSchedule specific time with your wife and kidsCut out spending that does not align with your goals (requires less income to cover)Tie your identity to growth (mindset)It's time to attack the day (every one of them).