No locks shall be changed without Landlord approval."

You can probably find an online link about how extreme temperature changes are not the ideal way to heat a home and cost more in the long run.I don't know what the local rental rules are where you are, but look them up and see if you can give her notice. 

Several factors are changing in my life and I’m thinking of maybe paying down/off some loans but will have to weigh the difference between the prepayment penalty on the commercial ones.

I see a fixed rate product advertised here on BP but not a HELOC type of product, where you can draw and repay on commercial property.With the DSCR loans, the lender requirements will change from lender to lender.  

My career field has changed and I often think about whether it might be worth my while to get my license.

These developments often need to deal with changes in ownership groups.

There is nothing on the radar that can change the in the near future.

This doesn’t change with your borrower’s LLC.

I've seen people get dropped from carriers  and claims denied because they did not disclose that the use of the home changed.

There could also be a change to the HOA by-laws eliminating the right to lease and alternatively if too many units are tenant occupied it could impact the warrantability of the financing which would be problematic if you wanted to sell the unit.