Now you are stuck with  these people in your rental (which they also may have problems inhabiting due to environmental issues).

I'm 22 years old working in the Air Force Reserves (Hoping to get a civilian job soon with the police department).

Not a lawyer, but I believe the plan of getting "owner occupied" financing for a building, and then not inhabiting that building is what is mortgage fraud.I am doing a similar situation and I have not found anything set in stone that says 'one year minimum' but it sounds like that time frame is generally accepted.I found talking to my banker about these things extremely beneficial.

I was a contractor on the civilian side for a bit.

Give them a call and see what service they offer a tenant.As far as what you required to pay back for inhabitable conditions, that depends on your lease or if your on month to month.  

There are a lot of families both military and civilians in Millington and the city is starting to grow(adding stores, restaurants, bars and plaza malls) so I think that's a good sign.

Nothing makes a bank less likely to loan on a refi than the property being unlawfully trespassed and inhabited by a non-paying occupant.  

How on earth can you inhabit a place that has piles of trash which weigh as much as ten to twelve mid sized pickup trucks?

If you were making a claim for the fire anyway, then you were already headed down that path, just make sure the insurance adjuster agrees that the home is temp. not inhabitable due to the lack of air conditioning so that you do get the loss of rents, and extra expenses.

They refused to call a real heating/a/c company, until I threatened to report them for providing inhabitable housing due to lack of heat.