You can exercise your right at any time during the next twenty years.

I have not had an issue or heard of anyone I know have an issue.Like what Ronnie said, keep the note in your name and clean, and the bank doesn't have reason to exercise the DOS clause.

However if you can look at longer time horizon and become a buy and hold investor who occasionally sells a property then 1031 exchanges can be the most powerful tool in your arsenal for tax relief and enhancing ROI

Using an artificially enhanced 2005 value to justify making a sound investment decision in today's real estate climate holds no water.I congratulate you on your success.

An illegal eviction occurs when a landlord illegally denies a tenant access to the rental unit or a tenant’s property is removed without a court order and the removal: Is not the result of abandonment and/or is not the exercise of a landlord’s lien.

You can always exercise early if it makes sense. 

Exercising that right does not mean one is doing so for nefarious reasons. 

If she stays past the end of October then she can not exercise her rights under the victims abuse laws, since obviously she is staying and does not feel threatened, and you can charge her your reletting costs as a consequence of breaking her lease.

This will much enhance your chances of success - bedbugs are hard to exterminate.Once you think you have completed the treatments successfully, there are bedbug sniffing dogs that you can hire (relatively inexpensive) to get a certificate that the bugs have been completely cleared (or not - whichever may be the case...).  

It might change your deal analysis.One of the great values of real estate investment is that, for the vast majority of people on this forum, it is a "close-in" investment over which you can exercise a great deal of control.