Secondly, lenders count rental income towards your DTI once you have shown 2 years or more of collecting rental income and being a landlord and will count 75% of the rental income I believe once you have a tenant and lease in place.

I was just looking into easy online rental collection and cozy came up in my search.

To reiterate what the others before me posted the mortgage servicer is simply doing their practice of property preservation to protect and secure the asset due to the noticeable vacancy. 

Something must be wrong with your FICO credit score and I highly suggest you pay to see the actually score and what is under it. sub 600 means there are red flags in there (late payments, defaulting on loans, or collection). 

Wanted to know the best practices for: 1.

It’s furnished and practically ready to go.

Have done some research in the past but never put it into practice so I'm rusty.

@Roschelle McCoy please post your underwriting here.The best would be to first run a "back of an envelop" calculation of current actual Rents collected which is the income - 50% = your NOI. then take off debt servicing to see if anything left. 

But the offense that it gives you may just be interpreted as a value judgment on your tenant's part.For instance, as a practicing Greek Orthodox Christian, I am most grievously offended by much of what my tenants do.And yet I've never brought up any of this with them.

No other practical options.