Generally though, is it true that with a private commercial lender, your terms are more hard pressed?

You will be hard pressed to find an out of state investor without those two things in place.

I guess they were feeling the heat from all the negative press they were getting.

NV Department of Employment Training and Rehabilitation issued this  press release showing Reno area YOY employment increased by 8500 jobs, or 3.4%. 

Maybe you could consider offering them a solution such as a covered area outside with butt can's and a place to sit like a bench and they will be more likely to not smoke in the home even when the weather is not so great.But either way stick to your guns on no smoking inside and if they continue to do so, give em the boot. 

You will be hard pressed to find a lender for used mobile homes.

If I don't, they press a button and capture it, and the next day they have $10,000 cash and I have a $10,000 balance to deal with on my credit card.

Problem there is currency manipulation, for example China pressing their currency down vs USD.

In this example, and using very rough numbers to help illustrate the idea, let’s assume you already have enough money in reserves set aside for vacancy, repairs, and capital expenditures, and don’t have any pressing bills or obligations you must take care of in the near future.

@Phil McAlister working as an agent, there are so many unknowns I have ran across in deals, this can be risky advice to someone who is either pressed on time or someone who is just starting out.