They apparently were not worth saving and had reached the end of their useful life (the ultimate depreciation) and actually were some expense to dispose of....meanwhile, all the single family homes and multiplexes have appreciated handsomely and still generate rents....

I'm ruining everyone's life. 

You are the landlord here and they are new tenants and you need to set the tone for how this relationship is going to work RIGHT NOW or you are going to regret ever letting these people move in because they will be running your life for the next year they live in this house. 

When I refi'd it was because I'd save $90k in payments over the life of the loan.  

Not a lawyer or anything, so I'm sure someone else can explain more on differences if you have a chance of life event or something, but this is is straight from the 92900B that you will sign in an FHA purchase loan:"Do not falsely certify that a property will be used for your primary residence when you are actually going to use it as a rental property""Penalties for Loan Fraud: Federal laws provide severe penalties for fraud, misrepresentation, or conspiracy to influence wrongly the issuance of mortgage insurance by HUD.

As a result I have had a life long interest in learning about nutrition and maintaining health.

I want to ask you a question/scenerio - please do not take it the wrong way- I am doing this to help you - as I will explain in a second:What books have you read and online forums have you participated to buy the 2nd most expensive thing in your life...your car?

Hello guys, I'm about to invest on a retirement fund on this company, also called Citizen Inc, but I'm not sure about their reputation. Does anybody have heard of them ?This is the am best profile but they dont have a...

Better have gotten a deal of the life time to take care of all of that. 

If they return it in good condition, they can still get their deposit back without penalty for breaking the lease.Don't get caught up in childish games because the tenant has the advantage by making your life difficult for a long period of time.