If the tenants aren't paying rent, then why aren't you evicting them? I don't think the lenders could or would stop you from doing that because as you said they don't want to let the property go. I get this sense that you think you can't do anything because its the lenders property and not yours. Or, that they are partners with you, almost like investment partners. Either way, this does not absolve you. Understand the lender does not own the house, you do. it seems you forgot that you own this house and they funded it for you. Whether your tenant is paying or not, you sill have to pay the house or lose it. It's obvious you know what to do because you basically list it for us and you know what will happen if you don't do anything. So, the question should be why you aren't doing anything and why you don't consider yourself playing a bigger role in this because you do.