You as a consumer, realistically, have no way to directly evaluate most of that list above. 

That property sounds like a nightmare and if i was there i would contact the local consumer reporter  and have this situation put on TV and then the mortgage owner would have to act on it.

Quite a list of prerequisites: http://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/GA-Mtg-Lender-License-Description.pdfSome exemptions include:  Federally insured financial institutions and their wholly owned subsidiaries;  W-2 Employees of licensees and registrants (see Code);  Attorneys who provide legal services who are not in the business of negotiating loans;  Any person performing any act relating to mortgage loans under order of any court ;  Nonprofit corporations making mortgage loans to promote home ownership or improvements for the disadvantaged;  Any natural person who makes five or fewer mortgage loans in any one calendar year;  Other… refer to Code Section 7-1-1001.Bob

I work for Chrysler as an electrician and while this job is better all around, for the most part, it consumes much more time than my last job did.

It's not exactly consumer friendly as it's not intended for the general public to see, but you will be able to see what conditions haven't been signed off and be able to make an informed decision either way. 

Most lenders try to squeeze every last dollar, which creates issues for the end consumer.  

These were created to protect the consumer - why - precisely because you do not have operational control.Having said this, the letter you received says "...unfortunately we have to evict YOUR tenant", meaning that now they are clearly drawing the line that even though they wouldn't let your input as it relates to tenant screening, they clearly consider the tenant YOUR problem.

One way or another, they are building their net worth.Building net worth is how you may possibly retire with fewer worries.

Some houses have fewer windows broken than ones that have glass.

If most of your debt is consumer debt (credit cards, etc.) that's a very different situation than if all of your debt is in real estate, or a business line of credit, or something else.