The lender does not live in the home and the agreement states that they be listed as loss payee.

@Andrew Katz, if you will be living in your next house hack, you should investigate a conventional loan instead of hard money.

She moved out exactly a month if stay there and they left the place filthy also her son is not on the contract and I been told that many of them were living there while contract has only two people.

House hacking, short/mid-term rentals, co-living, sober living, or finding ways to add value are where the best opportunities are right now. 

We’re simply cheerleaders, fellow players, and coaches trying to get the new players to live up to their potential. 

When your tenant stops paying and communicating, who will knock on the door to see if they still live there?

If you are comfortable living with roommates, a SFH househack could be the move for you.

Keep the current investment and buy another house hack to live in.

From my experience working with over 400 investors, consider alternative strategies like rent-by-the-room, buying an SFH with an ADU, or renting where you live while investing elsewhere.

I think he's in the process right now so I'm not sure how it's turned out, but last time I spoke with him it seemed that it was going well.I always tell people looking to do co-living that there is a certain amount of risk that you have to be willing to take on.