The quote you mentioned leads me to believe this is a non-owner occupied loan, because owner occupied loans can have no more than 3% origination and discount points in cost, otherwise its considered a High Cost Mortgage and is not allowed the safe harbor protections as per the regulations. 

Regulations, taxes, and a government that increasingly views Landlords as evil is a disaster waiting to happen.

Pulling from general Personal Finance wisdom and lending regulations, it is a good idea to have 6+ months of operating expenses in reserves. 

https://www.marketwatch.com/story/mortgage-regulator-to-loosen-refinance-restrictions-for-home-loans-in-forbearance-2020-05-19 This recently came out showing only 3 consecutive payments would be needed after forbearance ends to qualify for new credit. 

They will be familiar with all of the local laws and regulations and will help you evict this person properly. 

For example, violating noise clause in Rules in Regulations which is part of the lease.

In addition, check the STR regulations, tourism data (most tourist destinations will have a department of tourism you can contact, or check the tourist numbers for the major attractions in the area if you can’t get ahold of true tourism numbers).Check the hotel presence.

Or do a 30 year...14K to do buydown to around 1.375% and around 4K for closing costs (can only reduce 30 year rate by 1.75% due to Dodd Frank regulations blah blah blah). 

Depending on your local environmental regulations and how big the parcels are you may be able to sell land to the city if they need to replace habitat to build a road or something.

These evictions may eventually include the tenants that have not paid rent during the stay at home regulations.