@Jordan Bochner I know a few local credit unions will do 3%-5% with PMI for owner occupied single families.

You can ask for concessions, but they have no obligation to accept them, and we don't know for sure if the problem is that the tenant required 60 days or if the tenant is just being difficult and their credit is bad enough that they don't care if they get evicted if it means a couple more months of a roof over their head. 

Your best bet may be to find a local credit union as they tend to have more flexible terms and higher LTV's than traditional big box banks.

Cons: have to pay a PMI for X amounts of months.My credit is excellent so I don't have any concerns of not getting a loan.   

I have read that credit unions can have more flexibility in lending to small businesses.  

I live in Orlando, FL.I have excellent credit and the property is completely paid off.

We that would be a great deal when transferring the debt to a revolving credit rate.Thank you

On the other hand, if you believe that the tenant is doing the second thing (using someone else's identity to fraudulently obtain service), and the utility company won't cooperate, then there's probably not a lot you can do in that situation unless you can prove it and/or the Housing Authority has a rule about having service in the tenant's own name and they can compel the tenant to prove that they do.Lastly, it sounds like this is a problem tenant so you should start looking into your state's requirements to end the tenancy when the lease is up, and issue the proper notice of non-renewal as soon as appropriate so that she's out when the term of the lease ends.

Have they even shown you the tenant’s credit report?

I currently have about 100k equity there.2016 capital gains income: 02016 business / gambling income: 25k2017 capital gains income: 152k2017 business / gambling income: 28kChecking account balance: 100k+Credit score: 730Investment property price range 165k - 200k.I can get letter from CPA stating I've been in the same business since 2010.I'm being told they will take either last three years of capital gains or last two years of gambling.