For accounting/ book keeping, check out quicken home & business desktop software, which has a rental module to allow you to download all transactions from your bank/ credit cards, then tag transactions by property and categorize them by IRS expense category.

Keep in mind you will want to buy drapes, lawn care tools, washer/dryer maybe, etc, etc.They will look at both your "front end" DTI (Debt to Income Ratio) and your back end DTI which includes car payments, credit card payments, student loan payments and other debt that won't be paid off in the next six months.To improve your credit, as soon as you get your discharge, apply for at least two secured credit cards for at least $200 each.

Hubby says they make enough money but just cant figure out how they get/got behind.. to me its basic math to others its a challenge and we know that 2 to 5% of borrowers are challenged this way and go into foreclosure for a myriad of reasons some is legit.. loss of job  health etc.. but many is just mis management of income to expenses.Consumer debt for these folks is what I came to believe is the real killer.. too easy to buy expensive cars too easy to buy motor homes and campers with the 20 year payments.. boats etc.. or just whipping the credit card out .. renters it seems are more human condition.. drugs alcohol  baby daddy broken family stuff .

Is it due to her not being able to pay the mortgage or is it a different debt company that is trying to collect on her home(like credit cards or something)?

You should get one credit card and use it for things like gas and groceries and then pay it off entirely every month. 

Another option, which I will probably use,  is to find a credit card with no interest for the first year and see what kind of limit you can get on it.

Like many others, I allow pets with restrictions, first because I love pets and know how hard it can be for renters, and second, because if a tenant plans on bring a pet into your rental anyways, they’re going to pull the emotional support animal card.

( this is not a real situation, its just a question)If you cant afford your mortgage payments, Can you use a credit card to pay them?

Move here, buy a car on credit apply for credit cards use them and pay them off regularily.

We over improved it at the beginning and put too much of that improvement on credit cards, which is why we now have to cash out to pay them off.