February 3, 1985

If Leonard Tose fails to demonstrate within the next six weeks his ability to retire two outstanding loans from a California bank, he may lose his majority ownership of the Philadelphia Eagles, several National Football League executives say. The executives have confirmed that Tose owes the Crocker National Bank of California about $18 million on one note and $12 million on another. He is using his team as collateral for the larger loan, they say, and personal assets, the most valuable of which also is the Eagles, for the other. Crocker, the sources say, has refused to extend Tose more time to repay the loans, which are due in full next January. The bank is also concerned that the net worth of the franchise could decline below an acceptable point. If that happened, the bank would have the option to foreclose on the team, a process that would take about three months and would relieve Tose of control.

''I DEEPLY resent being driven out of Morningside Heights,'' said Michael Jahn, an author of 30 mystery novels and a public-relations specialist. ''I've been here for 18 years - the characters in my book, 'Night Rituals,' are based on people I know from this neighborhood. ''But I can no longer afford to live here and I am going to have to move to a whole new setting - Sheepshead Bay in Brooklyn - with people I don't know and a neighborhood I don't know.'' Mr. Jahn will soon be leaving his job at Columbia University and will have to give up a $392-a-month studio apartment in an Upper West Side building owned by the university and rented to its staff. The author said he could not afford to ''spend six months bribing supers to get a $700 or $800 studio - it would mean eating rice and beans.''

EVER since condominium and cooperative ownership gained wide popular acceptance a decade or so ago, owners and their managers have been trying to formulate equitable policies on absentee investors and their tenants. There have been widespread reports of carelessness and abuse by those who rent from nonresident owners in condominiums. And there have been complaints about absentee owners who are concerned only with the appreciation of their units and who refuse to support efforts of resident owners to improve their joint property. ''We've had renters who would keep breaking rules,'' said Stanley Silverman, president of the Cricket Club, a 76-unit condominium in Roslyn, L.I. ''and absentee owners who would complain every time we tried to spend on improvements.''

LAST year, a Wallingford boy who had run away from home was found sleeping in a classroom where he had taken a class for gifted students. He told the police it was the only place where he had ever felt understood. In Ridgefield, a fourth grader who has been identified as being both creatively and academically gifted told his mother that in school he felt like a piece in a jigsaw puzzle because he was always trying to fit in with the other students. In Connecticut, about 15,000 of an estimated 47,000 public school students who are academically or creatively gifted are enrolled in special programs, according to a state panel that studied the subject. This year, an effort is being made to persuade the General Assembly to require public schools to provide programs for all gifted students, starting in the 1988-89 academic year. Sixteen states have such a legal requirement.

WASHINGTON THE Coastal Zone Management Act, the 1972 Federal law that spawned New York State's coastal erosion and tidal wetlands legislation and more than 25 waterfront revitalization projects on Long Island, will be eliminated from the Reagan Administration's fiscal year 1986 budget, according to an Administration official. The Administration will also seek to rescind the act's 1985 grant to coastal states, $2 million of which was earmarked for New York, said the official, who declined to be identified. The Coastal Zone Management Act was instrumental last year in saving the undeveloped Montauk air base from being sold by the Department of Defense as surplus land. A clause in that act prohibits Federal action that might be inconsistent with a state's coastal management plan.