Check local law, whether you have to accept varies by state.

Some lenders may also want to see law and ordinance coverage in your insurance and perhaps a rebuild letter from the city stating that the property could be rebuilt as a residential 4plex if destroyed. 

You've possibly stated in writing that you (may have) violated several laws ie. working as a property manager w/o the proper licenses etc. 2.

The date for completion may not be extended by Seller for any reason other than delays beyond Seller’s control, such as acts of God, or other grounds cognizable in Florida contract law as impossibility or frustration of purpose.

Make sure to understand disclosure laws in your state.

Without seeing your lease, if the lease says that 'charges are due as additional rent' the charges may fall into housing delinquency law.

Real estate laws are local to the state where the property is located.

Ideally, you'd want closer to $40k-$50k to feel truly comfortable and have a safety net for your first investment property.

Do nothing...the tenant isn't renting that area and has no right to dictate how you use it as long as it poses no security/safety risk to them. 

When I finally did this I found that I could invest in a market that had far better growth and for sure better landlord laws.