It probably balloons (needs to be paid in full) in 2 years.Finished basement is worth it if it adds beds/baths.

Second check EZ landlord .com for denial letters or use chat get as well that helped me to follow laws.

"for rent by owner", investors)-search for non-homestead properties in your county and send postcards to those owners that own homes that meet the criteria you want to focus on-network with real estate attorneys -network with trustees in banks that offer trustee services-look up court records of landlords who have filed their own evictions and send them postcards -network with HOAs that have non-homestead properties in that association -when you see a "for rent by owner" sign in your area, send the owner a letter -join Facebook groups (for rent by owner, landlords) and being to contribute -improve your SEO on your website-find someone who can help you gather landlord info from Zillow, etc. to name a few :) 

Thanks If this is an investment property you can get a DSCR loan on a 30 year fixed rate (no balloon).

So I sent letters asking them to move but no response.

By the time I stepped in lawyer letters were flying complaints had been filed with the AG and they were some scared puppies..

I don't get all the junk letters.

Or is it better to wait out the seasoning period with your loan balance (I used a HELOC so no hard money lenders or balloon payments) and just refi out in 6 months?

I just have one question for all the tenants that screened do I send a letter on why I didn't pick them? 

write them a polite letter, with your request for payment with the option(s) that work for you.