@Ben Feder hello Ben it depends on your ultimate strategy.

I represent myself - Ryan Basye at Nebraska Realty.The lender we have on this deal now is Omaha Federal Credit Union (15-year fixed rate for rental property is great).

I just spoke to Navy Federal in regards to Opening a HELOC on my primary residence.

Firefly Credit Union, Wells Federal, Drake Bank, Highland Banks, Sunrise Banks, Affinity Credit union

I would let the tenant know that you appreciate they have been in the home for 4 years, and certainly want them to remain - however, you need to run your rental business in a way that is in complete compliance with all local, state, and federal laws.

@Nick Cucci Nick however you decide to go make sure your course of action stays on the right side of the law.State and Federal laws are in place that address the need of proper licenses to legally receive finders fees for investment and or real estate services.

The owner of the moving company is also involved in a federal seizure case. $2.8m seized related to wire fraud.

I have access to both our family owned real estate company and attorneys that share my last name (not used in this forum for that reason) who have more than assured me that my lease stands up to any federal, state and local ordinance for where we operate.I hope your friends made out ok.  

It pled guilty to a federal lawsuit where they admitted to training maintenance workers to hid problems. 

This is due to the non-standard terms and underwriting that are required to approve these loans do not meet the federal standards set in the Dodd-Frank laws passed after the last housing crash.