I would suggest you get legal Advice, $500 in legal Fees beats having a vendor's Lien and Lis Pending filed against you property.A vendor's lien is a purchase money security interest given voluntarily.

Based on state codes landlord can ask and tenant can voluntarily agree however when a tenant does not agree to any requirement a landlord has no legal authority to require tenants to comply. 

Your tenant is choosing to pay when he does and voluntarily pays a late fee.

(changing filters was in their lease as their respon ibility and NO Smoking) Also charge to have entire home repainted even if not seeing "film" left on cabinets or walls from pot smoke .2)give back security minus small cleaning fee.?

So I would never lose a $1600 month voluntarily just to get $1700 eventually.

The generation of pot-smoking hippies would never afford a house, much less anything else.

The biggest risks with taking the loan against the 401k is that if you leave your job (voluntarily or otherwise), you typically have 90 days to pay off that loan or it will be treated as a withdrawal and subject to the 10% penalty and taxed accordingly. 

.• If the real estate agent voluntarily changes the commission amount not to exceed 6%, the real estate agent mustprovide an addendum to the listing agreement or contract.

I am never one to voluntarily give a tenant anything that is not necessary or costs me out of pocket but it appears as though you have serious management issues that put your tenant in the drivers seat. 

Why would you give up any rights you have voluntarily?