Once the baby is born they might be changing their toon.

As such, seasoning was born as a means to vet out those loans.  

Don't fall into the trap of agreeing with their "oh my gosh this is really bad" opening comments...that helps them to prepare normal homeowners for the worst case scenario but you are a "professional" so you just have to listen to what they are telling you about the technical aspects of what you have and pick the vendor you think is telling you the wisest solution.

I was born and raised in Dallas Texas.  

I was born in raised in Bridgeport and have been in Florida for almost 10 years now.

I was born in DFW area, then lived in San Antonio for 2 years and now in Austin for the last 17 years.

You can pour all your money into a nice cash flowing property which hits all your return goals, but if there's no value add opportunity, then your cash is stuck there, trapped in the equity (aka down payment). 

Sorry your tenant kicked the bucket, but from the baby born today to the oldest person living, we're all in line behind him.Unless he's a family member or close family friend, you should not suffer financially for the tenant's death.I would file and eviction notice right away and then keep a running total of lost rent and other costs.Then there are additional actions you can take in the interim to ensure you come out okay.

I am a 61 year old that was born and raised in Dallas, Texas. 

Please don't forget, your renters haven't changed, they are the same folks that were born here and they are the tenants that made you landlords happy and rich today but their wages have not increased to keep up with the cost of housing.