(a) Any person who practices, offers to practice, attempts to practice, or holds oneself out to practice as a managing broker, broker, or residential leasing agent without being licensed under this Act shall, in addition to any other penalty provided by law, pay a civil penalty to the Department in an amount not to exceed $25,000 for each offense as determined by the Department.

Seemed very professional, good credit score, and no criminal offenses, evictions, or current collections, and him and his spouse make 6 times the rent amount.

I don't have experience here; so, I will leave the answer up to others but it seems odd for a manslaughter charge to be someone's first criminal offense (if guilty) but I'm sure it happens. 

So, you could be commiting mortgage fraud a federal offense, if you refi now and then buy another owner-occupant property.

I have thought about asking her if she has a family member or POA that could assist her but how do I ask her that without being offensive?

Again, I don't presume to understand the details/constraints of your life, so please don't take offense.

There benifits to visiting the market and knowing the area but a really good agent should be able to accomplish this as well.No Offense, but your profile says you own a triplex.

People forget defense is as important as offense sometimes.

No offense taken. 

No offense to the honest contractors reading this post.