Pay them off if you can and use them for something recurring (like netflix) and then set them to auto pay the balance every month.

Starts with setting up plastic containment around mold infected area, negative air HEPA filters, drywall and insulation removal, literally scrubbing studs with wire brushes, and treating with chemicals.

I would be more than happy to set up a call to discuss the options I think you have in addition to the terms your bank is offering.

There is a one time billing cloud set up fee of $200.

@Byron BohlsenI make all my tenants get renters insurance per the lease paragraph and  I tell them: " file the claim and have the adjuster check the door for damage as well. " Renters insurance is about $150 per year. 

I'll be glad to set up a property search for you, and answer any of your questions. 

To keep it as a SFR, we would save on a 2-story porch ($18k) as well as another kitchen ($12k) and a few other needs for multi unit.We could keep it as a 2 unit, but then we have to create a new wall to separate the units again, adjust the main staircase, do the 2 story porch along with a 2nd flr HVAC, dual water heaters & electrical, kitchen and maybe move and/or add a wall.

I think a good realtor is crucial and can set you up with daily notifications of new properties, etc.Good luck out there!

For "Conforming, Conventional" loans (loans governed by Fannie Mae and Freddie Mac) each bank uses the same set of rules. 

He is looking for help with setting up a US bank account without having to come here.