You should be hugged for that, not punished by politicians and the SEC.  

Your friend should contact an eviction lawyer immediately - they might be able to file an unlawful detainer immediately and have the sheriff show up right away.  

@Guy NoelWhat you’re describing is called a quasi cash out refinance.Since it is not an arms length transaction you would have to disclose your relationship with yourself- no lender would be ok with that- what you could do is a cash out Refinance, which has much lower LTV guidelines (80-85% LTV) than a purchase transaction.If you some how pulled it off, and the lender found out they could call the loan due in full immediately.It may even be punishable as mortgage fraud.

Turns out the Fed had felt there was reason to "punish" them with a multi million dollar fine w/option of setting it aside for this program instead of paying the Fed. 

Is it unlawful for me to ask for more?  

Stay the course, and don't get sidetracked at punishing the lender or some other type of blame game. 

The idea of a late fee is for it to be as punishing as possible.  

Often it's the only "punishment" they'll ever see. 

state laws typically say that security deposits must be sent back within 30 days, with an itemized statement outlining what was deducted. if you did not follow your state laws, your punishment is that all deposit is owed to tenant. they can sue you in court and will win that one.everything you stated is something you can bill deposit for, except labor will be thrown out in many states. if you followed the laws and sent back an itemized statement within the proper number of days, you are fine and need not worry.

I'm sure you would love to punish her for annoying you, but take it as a lesson on managing relationships and move on.