Lower your premium by following health code protocols for the licensing state on that facility. 

You think they were giving me a W2 and covering my health insurance so I could broker business elsewhere? 

Ed Franklin with Manchester Capital LLC will ask for money up front for an "appraisal and administrative service fee" and offer you a very promising, yet too good to be true interest rate and will turn around and give you nothing but stall tactics and pretend like he has health problems and turn down your deal but try to keep the money saying your deal did not "qualify."

I've always had a an entrepreneur mentality.

But my mentality is changing. 

In the second case, those two offers will be extremely stressful.True hoarders see value in every possession they have, often valuing their stuff more than own health/safety/comfort. 

Many landlords are beset by fear and the thinking of "what if XYZ happens" but the compounding of lost cash flow and value increase on property of this mentality can be staggering.  

Your potential profit will get reduced by the  waste and lack of accountability of the tenants as they are “already paying for their utilities with rent” type of mentality, so expect high Utility bills.I made this mistake in my first property - had a duplex with one electric meter and refrigerated air on both units. 

Today she reports that house has dry mould and insulation issues and she is getting health issues with it.

As a government worker, last years shutdown (and lack of a paycheck for a month), a retirement seminar at the office that showed me I can't afford to retire, and Mom's health is declining as she hits 80 and she has no savings.