I have a few of these. 20 year amortization, rates mid 5's, 5 year balloon

We got our clear to close after 6 weeks of letters, bank statements and explaining why I am working in NY and buying property in Florida.

Instead of 'returning' deposit from '15, and having two remaining write new check, can anyone suggest wording/letter that I could have the moving out tenant sign stating something along the lines of 'I, ____, have received my full deposit back, including interest, from my roommates Xname and Zname and do not expect any additional monetary return from my landlord, _____' ? 

The follow -up letter will write itself "Confirming our conversation ... and thanks for being a valued tenant."

All I had to do today was get a letter from my retention NCO stating I was eligible to reenlist if I chose too, and then sign another letter saying I intended to reenlist.

There's another thread on here right now where a lady went to a lawyer and he started her off with a certified letter.

No limits and no restrictions on balloons or terms.  

Doing letters to SFH or apartments are about the same.

So probably the only other option would be a refinance to pay off the short term debt, which would require you to be able to get that private money amortized at a longer time period, with balloon payments, or interest only payments during the life of the loan.

You have to submit an Operating statement for the past two full years and Year to date, Rent Rolls, Copies of leases, a letter of experience for property management, and a history of capital improvements for the past 3 years.