I am a long-term investor, but I also provide services to long-term investors, so my advice is biased toward that option.  

The loan is under my name, so the bank will send me - and the IRS!

I appreciate that link so much and it would bea huge help!

I originally had the thought and opportunity to do so in Reno/Sparks in 2015 but didn't move on it.

So post your numbers and let us take a look......even give the address if you're comfortable doing that.

For clarification, Fannie Mae and Freddie Mac aren't lenders, so you won't be dealing directly with them.2. 

So no on New Western?

Since this situation was so egregious (IMO), I would either boot them out now, or at least have a serious talk, real serious....If you're going to let them stay I would just get a really deep cleaning done, maybe a couple, and then replace carpet after they're gone.

Zoning is very loose in this area so was thinking maybe some smaller cabins or tree houses or maybe a yurt. 

Hey @Grant Woodward, you can never be too cautious when it comes to guest safety like @Lauren Kormylo said.There are dozens of things at your STR that could cause an injury or worse so making sure all the ducks are in a row and quackin' in unison is one of the most important things you can do.Like @John Underwood said, make sure you have a rock solid insurance policy that covers the pool and adjoining areas.