Most of the guys I know of that are really doing a lot of work outside of traditional routes are so busy they don't have time to come around here and toot their horns. 

So much of the land was just taken by the river anyway -- it just re-routed itself and swallowed up most of the land on the riverside of the road.I do have one more favor to ask -- if anyone has leads on an accountant that can jump in to help us file last year's taxes by late November, I would be grateful to hear -- I still need to get them done, and especially need them done in order to apply for the SBA loan by the December 2 deadline.

Since you're an individual, mainly whether or not the 4plex was built in the last 15 years.Assuming the tenants have occupied their units for over a year you'll want to give a 60 day notice.Alternative route?

After one year, I believe you can then rinse and repeat if you want to go that route. 

So making them condos would be a realistic possibility if I wanted to go that route, I think.

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Option 1 seems like the safest and most flexible route. 

Definitely go the legal route here, don't rent out the basement unless you have the OK from the relevant authorities--it's regulated for a reason (fire safety, carbon monoxide poisoning, etc.) and your insurance will not have your back if something goes wrong.

There are several routes, but the best one is probably to give them a 7-day curable to remove the extra tenants.

I would suggest going local first, if you can't locate a local lender that meets your needs, try the DSCR route.