Once the 3 days have passed and rent has not been paid, then an unlawful detainer claim is filed in court.

If they are the senior lien holder, they will more than likely bid total debt and take it back into REO, rehab it (Maybe), evict tenants, and sell it on the open market by listing it with an agent.It's a simple unlawful detainer (eviction).

I doubt you will have to provide a reason given he is on a month to month tenancy but you should get it cleared with an Ohio attorney so as to not have the judge kick your unlawful detainer for improper notice.

Your unlawful detainer claim should have included all expenses allowable.

You can (and should) start your unlawful detainer action immediately with a competent attorney that specializes in evictions.

*Section twenty-four creates the crime of unlawful eviction.

And just so you know (not accusing you of anything) to lie on the mortgage documents and say you will owner occupy for 12 months when you do not, is considered mortgage fraud, punishable by up to 5 years in prison.

Wholesale channel, they aren't allowed to have different profit margins by loan type as a matter of law (due to less effective lobbyists relative to banks, frankly), so you get the legit X.25% due to no one making any extra profit on it for it being a VA loan.That common practice of retail mortgage banks juicing up profit margins on VA, and that it's targeted at veterans, is a part of why I left the banking world for where it is unlawful to do that.Why are 'natural' VA interest rates so low? 

It is punishable under the UCMJ. 

I agree with the other posters, that it is your tenant’s responsibility to file whatever paperwork your state requires for unlawful possession.