The debt remaining has no bearing on any calculation the bank comes up with UNLESS the debt is less than fair market value and in that case, only the debt is relevant.

Well... the same thing will be true 5 days from now if you haven't done so yet.3) By the way, do you have pictures or even video of all the relevant stuff?

It's also very UN-common for them to actually file those lawsuits--primarily because it's difficult and expensive to do this, and most of the time, the money and time they'd spend filing a lawsuit is more than the lawsuit would be worth if they won (and they often have no chance of winning).Having said that, its also common for NON-deadbeat tenants to threaten lawsuits against deadbeat landlords--in which case, the tenant may actually follow through and file and win a lawsuit (depending on how bad the landlord was about violating relevant laws/regulations).Assuming that your communications with the tenant about late rent have always been professional, and follow any relevant local/state laws and regulations about landlord behavior, then it's very doubtful that repeatedly asking a tenant to pay their late rent could be considered "harassment" (I'm not a lawyer, though--so you'll want to do your own research and not take my word as the absolute truth).

As I usually do, I google (BP search doesn't seem to work right (see my other posts)) to see if "850" and "FICO" is relevant, and this is what I got back: So here it is.

Classics Like the "Weekend Millionaire" are still relevant and very useful today.

Common topic; links to other relevant threads (use search feature yourself next time please):http://www.biggerpockets.com/forums/79/topics/19805-than-merrill-of-flip-this-househttp://www.biggerpockets.com/forums/79/topics/47442-than-merrill-http://www.biggerpockets.com/forums/92/topics/69490-fortunebuilders-by-than-merrillhttp://www.biggerpockets.com/forums/79/topics/15980-than-merrill-s-a-amp-e-s-flip-this-house-marketing-materialhttp://www.biggerpockets.com/forums/79/topics/75368-than-merrill---wealth-builders-seminarhttp://www.biggerpockets.com/forums/92/topics/76267-flipping-houses

"Own use" would be relevant for, say, an office property.  

I think @Sean Dolan pretty much nailed it.The only advice I would add now is to keep an eye on your search query report and negative out words and terms that aren't relevant.

I think the hardest part is explaining and convincing people this is legal, but a link to some relevant stature should do the trick.

They did not appear to be renters, in which case HUD guidelines would not be relevant.