If I were you keeping the property as 4 units and renting out bonus unit under the radar may be your best option especially if you plan to refi or do HELOC while occupying. 

I would definitely go directly into the police department or try to get a call to make a report directly. 

is why they want a payment plan.. personally I would take them up on it. 

Registration RequirementsIn Indianapolis, you’ll need to register your rental property with the Marion County Health Department.

@Angel Perez  You should also check out smaller local banks and ask to speak to the commercial lending department. 

Would love to hear your plans. 

Plan on staying married no matter how rocky it gets, work through it, it's worth it. 

Have you tried calling the local police department, or sheriff's department, or the Texas Rangers depending on where this theft took place.

Hey @Raven Ye Mahar, so you should call the city and make sure but if you are renting it long term, you shouldn't be on the hook for any of the occupancy taxes.Nashville has a STR Occupancy Tax - https://www.nashville.gov/departments/finance/office-treasur...In the end, I would just call the city and get the deets that way. 

It's definitely one of those issues that is very specific, and would need to be worked out with Planning.