Im really excited...Blair and Teri, I noticed you two are pro members, tell me...

Yes you do need to disclose an adverse action notice based on the consumer/credit report you used. 

First of all when we opened up a lot of walls we noticed there was a lot of water damage and we had to replace a lot of rotten wood along with all new insulation on exterior walls and a lot more sheet rock then we anticipated.

@Jessica Tomlinson  I've sent you a private message to get a little more detail. 

I've sent you a private message as I am also living here in San Diego and interested in getting into RE investment.

Joe Ventresco you’ll likely want to get him on the lease, or give your current tenant notice of non renewal.

I recently came across privatemoneygoldmine which has lists of private money lenders.

I am ramping up on this very quickly.Cultivate some private lenders (or hard money sources)Keep learning everything REIf you are a potential private lender or hard money lender I would love to talk to you as that is the next item on my checklist to figure out.

Notice I have never tried to correct you on our inherent problem. 

Your property your rules, you can do whatever you want but if you are looking for a "fair" solution you can split the yard with a fence so you each have your own private space.