Food for thought if you prefer liquidity and dont like debt.

There should be a process or something similar to:The contractor identifies an issue that is outside of the scope of work, you review and determine is it in the scope or not.

Appreciation in class A is not going to put food on the table right away.

Remember that junk food isn't the only thing you can fit in a vending machine. 

For screening, I use either Zillow's application process or if not coming through Zillow, apartments.com to run the credit and background checks.

The LO (loan officer) needs to be in constant and cohesive contact with the borrower(s), listing and buyer brokers, processor(s), underwriter, title agent and generally in the driver's seat once the contract or refinance is executed. 

This is pretty much how banks do things too - the idea is that not only do you have to afford your rent - but also your electric, your food, your car, your insurance, your gas, internet, etc.  

The bed isn’t even made, the fridge and freezer are absolutely full of food.

You are highly unlikely to curb the tenant's behavior because:1) It seems they've been doing what they want for a while and now feel entitled2) Your post shows you don't have the assertiveness necessary to deal with this situationSo, recommend you either hire an attorney to start the eviction process or handle a PMC.

It's all done by email, you'll never talk to your rep or processor by phone and if your loan officer or processor is bad at they're job getting a loan closed can be a nightmare.