At one of the meetings I learned that there is almost one insurance company covering Florida, Citizens. 

In other words, short sales are no place to be for new investors.New investors should concentrate on doing advertising direct to specific prospects that have a higher chance of being motivated and have a run-down property (absentees, senior citizens, etc.)

The government should NOT EVER be able to force a US Citizen to buy any product or service (SS and Medicare is not a product or service).That being said, once you OWN a piece of investment property, the Fair Housing Act kicks in, as well as when you SELL it.I have several properties in Orange County, CA rented to Hispanics and have had good success with them.

Some states require that brokers be at least 21.High School Diploma: Most states require that you have your high school diploma or equivalent.Experience: To get your broker's license you'll need to demonstrate 2-3 years of experience (in recent years) as a real estate salesperson, or show that you have the equivalent experience (such as having been a real estate attorney for a certain amount of time.)Residency: You must be a U.S. citizen.

Here the banks are suppose to provide citizens with access to a bank account, as a condition of their charter.That said, with the amount of "fees" most banks levy these days and the staggering level of their minimum balances to avoid monthly account fees (often 5K+), quite a few people are deterred from using the banks.I tend to agree that the partial payment bit is overblown here on the site.  

Your location will play a big role on both the payback (electricity rates, incentives, ability to sell surplus generation and for how much) and whether tenants will pay a rent premium to live in a sustainable home.Our local utility is late to the table when it comes to renewable resources (having recently spent a billion $$ rehabbing a nuclear power station that was end-of-life, it's clear their focus is elsewhere) and provides very little incentive, and no material assistance, for citizens or business owners to generate their own electricity.  

His continued presence in front of my house bothered me, especially since I'm a senior citizen who lives alone. 

LEASE-OPTION is a way for citizens here in the US to own homes again, but save for the down payment, which isn't always easy for many. 

I am not a moocher.My rents were higher.My costs were lower.Ergo, my profit margins were higher by not renting to them.Did I mention I prefer not to mooch off my fellow citizens?

How could you fix this situation- You can't unless you let them live rent free, destroy your property and you personally mentor them until they grow up and become good citizens.