Eat and sleep it - at your age, with Biggerpockets as a resource, you have an absolute outstanding opportunity in front of you.

I also log into my amex and look at the total outstanding balance on 12/31 and pay that completely. 

Bankruptcy Court on July 18, 2013, the largest U.S. city ever to do so, with outstanding financial obligations to more than 100,000 creditors totaling approximately $18.5 billion.[70][71][72]

Let them know that their credit would take a hit and a court judgement for damages and outstanding balances would also be added to their credit report.The next option that we could offer would be a lease termination.

Although I would agree on nationwide gurus that are usually not real.

Again, talk to a mortgage broker, but I think you are clear to sail.Another interesting note about the VA, you are able to have multiple VAs at one time as long as your total loan amount on all outstanding VA loans is less than the limit; which, last I checked, was ~$417k. 

I have in my Lease Agreement that any rents received will be applied to any outstanding charges in your account. 

They cover nationwide.  

That's how it is here in California but I am fairly confident that this applies nationwide. 

They have attorneys nationwide.