My suggestion is to simply file the BOI requirement.

That's the only solution and it doesn't require fifteen paragraphs to explain or justify.

I wasn’t prepared to lose so much of my savings as carrying cost basically I paid for the tenants to live there for 3 months + my own living expenses in that time.

Piling on...all occupants who are 18 or older (or legal emancipated minor) should absolutely be required to make application. 

The answer will form around what work you are doing that requires permits.  

I can't speak to what time these slobs left as I don't require notice but the cleaner was there promptly.  

Additionally, FEMA updated the local flood maps here in July 2024 and much of the area now requires flood insurance. 

Basically, simply looking at cash flow, is 150-300/mo a good cash flowing deal or should it be higher.

Real estate is not the stock market and it's called buy & hold and not buy & sell for a reason.I did sell a few properties about 10 years ago when I learned the hard way that going into cheaper neighborhoods was not the right strategy for me, so that was basically a strategy correction and it was necessary, but also costly both in terms of dollars and time.

You aren't required to offer a loan mod prior to foreclosure.