When I read things of this nature, what comes to mind is, did the person writing this actually do that themselves.

Call your servicer to start the conversation, the terms are dictated by conventional loan guidelines so this will be what is applied:https://servicing-guide.fanniemae.com/svc/d1-1-01/evaluating...

now for sure the tenant is being a typical tenant and why me personally dont like to deal with tenants the juice is not worth the squeeze.  

The city contacted me yesterday saying they had previous conversations with the owner and cutting 5ft into my yard to add a hiking/trail path.

I would certainly rather have the tenant pay $3,500 and personally pay an extra $100-$500 for a whole new unit. 

Personally, I had one experience where my Lender wanted the LLC to be within the state where the property was being purchased.

(and I don't mean on Zillow - I mean in person.)  

I'd seen and been part of several conversations regarding single-color-paint-schemes, and I liked the look and idea of doing it, but after talking with my brother-in-law who owns a successful painting business, and my father, who owned a successful painting business, I decided to abandon the single color scheme.The primary reason behind our choice was what you mentioned.

., but the average person would just do it on their own. 

Conversely, you are pre approved for $3M, then the world is your oyster for properties.If you are thinking of moving, think about the lifestyle you want.