Hey @Darko Milosevic - Getting a loan can be tough so I totally feel your pain. 

Position yourself to be the vessel to bring them from their current (painful) situation to their desired situation...THAT my friend is value.

I look at high-end SFH as a leading indicator of what's to come and I can just start to see the pain there.

It is such a long painful process.

I could however deduct mileage (which is a pain to keep track of and raises flags I would assume), vs. doing actual expenses for gas…

In the current scenario, the poor and middle class are seeing their wages go less far - that's definitely pain.

I personally am, but with 70% of the southwest water usage coming from farmers, that is likely the first area to really the pain, which is unfortunate but probably necessary. 

@Paul Winka- you will not  be able to  have the  servicing  changed so once they have your  taxes and insurnace all  squared away - ask them to  end the impound accounts on the loan  and then you can manage these yourself ...more  work  but once you have this set up - it will save you the  pain / hassle you are  dealing with now  ....also - in additon to calling - try to get an  email for the  servicing dept  that you can use and  keep  a thread/ record  so you can   continue to send the  thread to newe  people as they rtry to assist 

These tenants tend to have a lot of stuff making moving a pain, and they want their kids to have a stable home and school life. 

in the meantime, depending on how much you trust the stock market, you could take that $100k, buy an index fund or two or something else and hope that, at the very least, it held its value when you have to sell it to get cash out. in a best case scenario, whatever investment you purchase will come out ahead of the interest you'd be paying. or to minimize the pain and reduce the risk, get some t-bills, treasury bonds, or something else that is supposedly "safer" than your typical index funds, mutual funds, or individual stocks.