A year ago my wife and I moved from the Chicagoland area to Indianapolis because we were tired of paying high property taxes and also improve our lifestyle.

I think the requirement for pre-approval is a heartbeat and consciousness.

This aligns well with your frugal lifestyle and long-term investment goals.Refinancing Now: While this means a higher interest rate and increased mortgage payments, it removes your ex from the mortgage immediately, simplifying your financial situation.

I meant to quit working full time and go live somewhere cheaper, maintain a similar or better lifestyle, work less, earn less, but maintaining the same quality of life, because the new place is just affordable.

But my morals will not allow me to accept more than a one year lease, I advise the tenant and the landlord to consider future renewals and if I manage the rental I will charge a $100 renewal fee but I, in good conscious, cannot write a multi-year lease and charge 6% of the gross lease but... that is the way my Arizona RE Board approved Listing Agreement States it.You should have studied your listing agreement closer and maybe asked some other agents what is customary in your market.

Negative cash flow is not a good idea, that ui subsidizing a tenant on your dime as you had been advised already, and subsidizing a tenant's lifestyle is not the business to be in - our gov't does that on our tax dollars as it is. 

You can not take that applicant because his eviction was last year, income not strong enough, etc. and you can do it with a clean conscious. 

That may make for some awkward holidays, but not nearly as awkward as it would be if they owed you money they weren't paying, you were subsidizing their lifestyle, or you gave them advise that didn't end up working out.

But, from what I am reading my sense is that you are interested in traveling indefinitely, and want a stable (sustainable) lifestyle during that time, but your current intention is to eventually return home.  

Yes - Call your local health department immediately.No - See next question.2) Was the bat simply flying overhead and had no direct contact with your conscious tenant or tenants?