Arm them with a list of pre-vetted contractors (plumber, electrician, general handyman, etc.) and set up all the automation that you possibly can (a lot can be done for free through platforms like apartments.com).

Do an ARM, buy down the rate or plan for the future refinance. 

If the house doesn't appreciate enough then I'm cannot sell it in few years say (5-7 years by taking ARM) and I need to hold.

@Jason Arms Always have room for more in Memphis.

All transactions involving your IRA must be "arm's length," meaning that you or any other "disqualified person" can't be involved directly or indirectly, and that is not the case as you described above. 

I currently lose about $25 a month after mortgage, insurance, property taxes and homeowner fees.Facts:Purchase price in 2005 - $170,000Current approx value - $195,000Owe $100,000 on an ARM currently at 4.3% which adjusts in October yearly but cannot fluctuate more than 2% points. 

They are giving me a 10 ARM with 30 amo at 4.4%.  

Make sure it explicitly explains the process for termination if you are unhappy with their services, but especially if they violate the terms of your agreement.3.

Make him personally appear for court hearings and depositions and be sure to have lots of folks he cheated be present to cheer him on.Jerry this goes back a lot of years.. but I was on the receiving end of one of some litigation were i got wrapped in because i was the broker on the transaction.. the deal went sideways and the buyer was a syndication who was led by an arm chair attorney who had never practiced.. 

There are far fewer ARM's (Adjustable Rate Mortgages) than there were in 2007/2008.