IE you have a trustworthy properly capitalized honest investor as the buyer and the seller also is of sound financial standing.any of these things get off kilter then its all bets off..

We are considering adding a roll under each sink to eliminate this request/complaint but thought it was odd after years of doing the same thing why we all the sudden had people complaining about only having one full roll to start?

It's an odd market right now.

I bet a lot of people would be attracted to the property just to stay with the "ghosts".  

However, if they do, they are likely just 'okay' with it and would likely leverage the 10-07 market rent analysis on the appraisal to actually calculate and determine the official DSCR during Underwriting.Hope that helps, if you do have a tenant who is willing to be flexible, the 12 month is always the safest bet.

Your best bet would be to bring in an equity partner

(pretty good bet things aren't going to 2% any time soon)We have wound up restructuring several notes to our benefit because the owners were really happy to have the income immediately

Honestly that's what I'm betting on!     

I think that your best bet is to offer the Holder of the Contract for deed some sort of discount if they refinanced out of the contract for deed so you could get your equity, short of that I don't think you have a lot of options.

It encourages this behavior, increases the odds they will repeat the behavior, increases the odds that another LL will get to experience thus from this tenant, and in the long term increases the chance it will happen to you again.