I would argue that you use your emergency fund to pay it off.

I could also argue that if you are looking to build equity, you will likely see more appreciation in single family than you would in a duplex, so perhaps you would want to reconsider the deal.What are the ramifications?

Can’t argue against those either.I am 65 and in solid secure financial position - so my risk reward ratio leans more towards capital preservation - with solid line drive base hits - rather than swinging for the fences with a Class C value add.

While the plumbing and wiring in older houses consist of materials that are out of date, I would argue that most of the other materials are actually better than what we have now. 

Here are a few that I find helpful:city-data.comschooldigger.comareavibes.com (although sometimes seems a bit harsh...but i guess you can't argue with data.. 🤷🏽‍♂️)neighborhoodscout.comcostar.comLet me know yours and why!

 Although this may not directly answer your question, I probably wouldn’t argue the appraisal, but rather negotiate the price.

After arguing with them a bit, I changed to another property manager and they are being very slow to do anything. 

I'm growing in my reading (three books since the lock-down), just finished the house hacking book and am debating my next, ABC's of property management or a self improvement book.

But you could argue that the son, defacto, was able to conduct her affairs in this matter. 

You just need to be able to say "yes, your deposit is at ABC bank", I have that on my lease as well.