." - NationwideIf the renters insurance does not have the liability component, then yes it only covers their belonging, however if it does have a liability component, then it does cover other damages where the insured is found guilty or liability of damages, such as a fire, or water damage. 

It's the kiss of death.I am guilty of using this one lol.

However, if you hire a competent attorney, they probably shouldn't file a pleading they know has no basis in law.You might find this Florida Bar article insightful.  

You can’t be retaliating if you acted first. (2) after 3 months it says it changes from you have to prove you’re innocent to the tenant having to prove you’re guilty.

He got off the criminal charges, but was found guilty in civil court to the tune of over 5M.

In my limited knowledge on this matter I believe you would have to more or less plead your case to a HUD/FHA rep as to why you need another FHA mortgage.One option you may consider - if you have the available cash to put 3.5% down twice is to just put 5% down and go conventional, FHA loans have become very expensive when you consider the PMI that stays for the life of the loan.A second option (and better one) just keep building capital until you know where you will eventually end up.

We sold everything we owned and emptied out the 401K just to pay the lawyers and the other expenses required  to fight the allegations,  to be found not guilty.  

I was guilty of that in my 40's......then I realized I could live longer than I had been alive!

Month-to-month is automatic win, you cant plead not guilty to a month-to-month, but if someone chooses not to leave you still have to file a UD.

Any thoughts or info is appreciated so thank you in advance.Cheers, ChrisConsult with a real estate attorney immediately and seek guidance.What you are doing is a felony in Washington State.RCW 61.34.030Criminal penalty.Any person who wilfully engages in a pattern of equity skimming is guilty of a class B felony under RCW 9A.20.021.