The moral of this story is its not good times and the process isn't being followed.

Revised PC headline:Getting Rich on Government-Backed MortgagesA branch manager gets home loans for borrowers with weak credit or low incomes—and taxpayers back him up.[...article starts...]He calls back a customer who’s spent hours watching his sales videos: “Bad Credit, I Can Help,” “Fresh Start: Credit Boost,” and “Go For Your Dreams.”

Hi @Bryan Morales, I highly recommend reading the House Hacking Strategy.

I would boot strap a rehab on your current place to boost the value and sell it to househack something that makes sense after you graduate.

Find a private or hard money lender to aquire, then refinance out of that loan once you have a renter in the place and can prove cash flow to a lender (the cash flow can be used to boost your income and therefore reduce your DTI)3) If you have equity in your personal home mortgage, get a HELOC and that, combined with your $65k savings, may be enough to do cash purchases in the market you're looking to invest in.4) Try speaking to a local community bank.

Fortunately I was able to do some financial wrangling to come up with the money.The moral of the story is that you need cash to get you through. 

I have been working with a credit repair company to boost this but it is slowly working. 

As it pertains to the other tenants you met your obligation when you changed the key to the main entrance.I'd venture to say your question about the specific tenant is more of a moral question. 

If you really want to be taken seriously suggest an answer to the problem not just sit in moral judgement.

I want to give all the flexibility in the world but if it comes down to my having to pay my lenders (who I have a moral obligation to pay back as they put their trust in me with their capital), and my staff (who run my business, without them I'm dead), *OR* pay a tenants rent for them?