Start cc'ing the co-signer in all emails to the tenant pertaining to late rent and a balance and serve them a 5 day too if necessary.

1) Here are the general considerations regarding 401k loans.401k Participant LoansIf your 401k plan allows for 401k participant loans, the maximum loan amount is equal to 50% of the balance up to $50k.

This is important because even though the upfront lender does not have a problem with it, the lender purchasing the loan may and if they do they may require you to change it over to your personal name or call the balance due. 

Although some payment options just kicked in and I have had some catch up on balance and come current again so it's looking like will get closer to 2% again. 

Watch out a job layoff means entire balance must be repaid, or you get taxed and penalties.

You can have him on the mortgage or put it into an LLC so you dont have to carry that debt on your balance sheet. 

She could not be taking her meds and is not balanced at the moment.

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@Julie Hartman how is the tenant made aware that the balance for the repair is their responsibility?

There is a ton of equity in the property, Value is around $180k, mortgage balance is $70k.