With all of that said you must work out your long term objective.

I find it hard to be objective if I have become to personal BEFORE the checks.

Letters of protest that raise the same objection to registration submitted by five or more different parties will be considered a mass mailing.

I just hope this trend of over regulation & legislation get's reevaluated objectively.

 My Husband and I are just now starting with real estate investing and we  went to a live event this past  weekend put on by Phil Grove and his wife - it was very informative and was very well planned and smooth ( I'm a professional sales person)  it was fun to see the whole sales pitch unfold for the coaching program - knocking out the objections throughout the presentation before they come, building value, taking people into their pain and getting to the WHY , giving information while all at the same time saying everything for a reason without coming off like a salesperson,  and then the cherry on top was  to see how they charge an enormous amount of money to sell a program just to have the students go out and do the marketing to bring him and his team deals to partner on, the big picture of his business was an amazing master mind project - I was really impressed from a sales stand point I felt that it was very smooth and done with class, class because they really did make the event informative which is something that is lacking at most of the meetups I have attended, although most of the info was to train the attendees enough to be able to go out and market to bring in deals for them to partner on - I was actually very  interested in the program but they are asking  a SIGNIFICANT amount of money and were not exactly clear on exactly what you get for it other that the "network"  which he did mention many times that your network is your networth  ;-) .

Putting forth good fundamentals in your loans with ensuring borrowers can earn equity; proper allocation of needed advances are set aside and try remaining objective with your loan treatments as opposed to forcing a loan to bend to your will help weather the storm.

Also to contribute to that point is the economy there is not strong and islanders are leaving (in large quantities) to the mainland.Curious as to other peoples thoughts?

Millennials make less money, have a lower employment rate, and have much higher expenses (having children too early, fascination with shiny objects, lack of fiscal responsibility) than generations past.

It's hard to step back and be objective.

Otherwise, you will get this problematic tenant out (eventually) and just end up with another one (maybe even worse)...Develop your own screening recipe (just use objective, legal criteria).