Send mailers to estate Executors/Administrators 18.

Painful now, but it will resolve itself.Its possible that when the loan was initially made, the taxes or insurance or both were far off the actual amounts.  

The application does say this:"False information given above shall entitle owner to 1)reject this application, 2)Retain administrative fee/holding deposit, 3)Terminate applicant(s) subsequent right of occupancy.So given that I would think I'm covered? 

Until the stigma against breeds (rather than idiot owners) goes away it is an extra pain that they have to deal with, not you.

You xan pay the loan off in full anyvtime and you can take loans for the full amount every year, though details will vary based upon your 401k plan administrator.  

One idea to make meeting tenants less painful is to hold "open houses" and have all interested parties come through during those hours.

@Karen Margrave advice is great, just take non refundable payment for upgrades and change orders up front which is painful for the client and when they do choose to go that route they are more likely to close.

If you are having to tap your retirement account to meet the absolute minimum down payment requirement, then you might be putting yourself at even more risk.With your 401k, you can roll it into an IRA but that comes with several conditions. 1) If your 401k is with your current employer, then your ability to roll it into an IRA is dependent on the administrator (probably your company's HR rep) to allow it.

I am 71-years old, and with the exception of a few months ago when I got a sciatic pain that is currently debilitating, I worked in the field just like one of my workers and I always have a young trainee at my side.

NET WORTH/EQUITY pros: 1) Ability to leverage assets with current low interest. 2) tax free money which could become very valuable with the new administration.