Unfortunately, BP still has these options for example - so many of these Non-QM lenders need to use the "Private Lender" label - even though it gets associated with scammers like in the above

A simple one page option saying. 1) I understand because of your circumstances you’d like to lease  MTM.2) I don’t usually do MTM leases and it’s harder to lease my property in the “winter”3) because you’ve been such good tenants I’d be willing to make an exception for you at the rate of $x+$200 with the stipulation your provide more at least a 31 day notice to give me time to find a new tenant.

You should not, under any circumstances, try to flip a house based on what you said above.

I tend to agree that often it doesn't make sense to hold an already tax-advantaged asset class within a retirement account, however I wouldn't call it stupid.What makes sense is going to depend on the person's facts, circumstances, and goals.

Unfortunately they are using the same leases they use for apartments.

Unfortunately, we have seen that many lenders ask for 75K PP per property.

I've got a single family home rented out in San Jose, CA and unfortunately my long term tenant has stopped paying rent and is ghosting me. 

Based on only the facts and circumstances listed above and if it meets the 2 out of 5 year test, it will be considered under the $250,000 income threshold and non-taxable.

It's unfortunate, but it shows them that you're serious and not going away.

Would I need a broker's license to manage this property under these circumstances?