There's a good chance the issue(s) you face has already been discussed and answered.Ask questions in the appropriate forum.

This is because DSCR loans do not follow/ pass consumer protection laws. when you live in the property, it creates massive problems for this loan type and the lender which would issue it to you. 

Doing general paint and carpet cleaning for this property along with some minor repairs, junk removal and fixed a couple small plumbing issues (mostly deferred maintenance).

https://www.singlekey.com/en-us/ - I believe they screen the tenant as part of their underwriting before issuing the rent guarantee policy and the tenant also pays the premiums. 

If you tell someone too early you aren't renewing their lease, especially one who is aggressive, could lead you to issues.

Give fair housing testers the right to secretly record your call, trying to trap in a fair housing issue.

- The current low rent is probably to offset maintenance issues at the property.- Try to raise the rent and the tenant will give you a list of all the maintenance issues they want you to fix. --- They will offer to fix them in exchange for lower rent, but ask yourself, if the tenant has been living there for 25 years, why isn't everything fixed already?

Current status is that the Dept of Health has not yet issued the Septic Permit yet.

The issue is that you cant cold call people in New York 

I say to look at these hard because these items can occur for a period of 12 months possibly without major issues of seeing large cracks or settling if a lot of water hasn't been present in large volumes.