@Paul Welden @Michael GaryI mixed up the numbers...A minimum of 210 days must have passed since you closed your original home loan when attempting to refinance.However, you still have to occupy the home for at least a year when using FHAMy apologies.

If they don't understand them, they'll attempt to give you advice, and usually it's unwarranted or unverified. 

If they have NMLS # there is a good chance that they are a broker or “fund lender with multiple limited partners”, and you may pay more than you would with a true private local private lender.Report crimes and attempted crimes…If victims do not say anything, things are unlikely to change.

End.From Tenant Rights, Mass.gov:  "Your landlord, or an agent for your landlord, may only enter your apartment for the following reasons:To inspect the premises;To make repairs;To show the apartment to a prospective tenant, purchaser, mortgagee or its agents;In accordance with a court order;If the premises appear to be abandoned; orTo inspect the premises within the last 30 days of tenancy in order to determine the amount of damage to be deducted from the security deposit.The landlord should be reasonable and attempt to arrange a mutually convenient time to visit the apartment.

Anyways, I'd like to at least attempt to create some type of perceived responsibility in my lease for this kind of behavior, which can cost the landlord thousands of dollars if gone unnoticed (water billed quarterly).Thanks in advance!

@Jennifer Donley@Drew SygitI appreciate your inputs and I am willing to workout with the tenants if they would communicate with the PM.The current status: the PM made several attempts to contact the tenants but so far there are no response.

I share your frustration though, as I feel this part of the bankruptcy process gets abused sometimes against Creditors with perfectly valid/reasonable fees or charges they are attempting to collect on.Thanks,Jason DuhnLaw Office of Jason Duhn

My tenant, who has not paid rent in 10 months, went to the newspaper with lies regarding my attempts to evict her from the house.  

I’ve always found honesty and making an attempt  to go a long way in preventing a major issue  but to just ignore and stiff the landlord—selfish and unethical she wrong  A lot of people do nonsensical things.

But I am trying to attempt it with very less down payment (3.5% FHA), and facing the same roadblock as you.