This would prevent them from vacating the property prior to the end of the prepaid rent term and the tenant requesting a refund of rent they would claim would be "unused". 

Neither mortgage company involved would listen long enough to even recognize the problem, I contacted my pre-paid legal service and it took several tries for me to show the lawyer the problem.

Cash Reserves Required For Other Properties Owned by Investor; If the borrower has 1-4 mortgages, an additional two (2) months for every other SFR investment property and second home is required and additional six (6) months for every other 2-4 unit investment property and second homeIf the borrower has 5-10 mortgages, An additional six (6) months for every other investment property and second home.DELAYED FINANCING EXCEPTIONDelayed Financing ExceptionA cash-out refinance within six (6) months of a purchase transaction when no financing was obtained for the purchase transaction are allowed under the following parameters: The new loan amount is not more than the actual documented amount of the borrower’s initial investment in purchasing the property, plus the financing of closing costs, prepaid fees, and points (subject to the maximum LTV). 1.

Cash Reserves Required For Other Properties Owned by Investor; If the borrower has 1-4 mortgages, an additional two (2) months for every other SFR investment property and second home is required and additional six (6) months for every other 2-4 unit investment property and second homeIf the borrower has 5-10 mortgages, An additional six (6) months for every other investment property and second home.DELAYED FINANCING EXCEPTIONDelayed Financing ExceptionA cash-out refinance within six (6) months of a purchase transaction when no financing was obtained for the purchase transaction are allowed under the following parameters: The new loan amount is not more than the actual documented amount of the borrower’s initial investment in purchasing the property, plus the financing of closing costs, prepaid fees, and points (subject to the maximum LTV). 1.

Please also verify the accuracy of this information at the time you are considering these options as guidelines change.price Decorating allowancesRepair allowancesMoving costsNote—a dollar for dollar sales price reduction is also required for - Excess rent credit and gift funds not meeting FHA requirements Contributions exceeding the actual cost of prepaid expenses, discount points and other financing concessions Credit Requirements Required is 600.

Tonight I am planning to talk to some neighbors at our newly rehabbed rental about the property, give them half sheets of paper with info about the unit to give to anyone they may know and offer a $50 via pre paid card to them if they refer the tenant we pick. 

With FHA you can pay up to 6% of the purchase of his closing costs and prepaids.

It is $150 PP with 25% down and closing/pre paids about $42K OOP.  

@Spencer OBrien, I am a member of a pre paid legal service so letters like this don't cost me anything beyond the monthly membership fee (~$21).

With some prepaid interest, you can extend it a little more.