Have you filed for bankruptcy recently?

They just raised the minimum deduction to the point that it is more than most people's itemized deductions.I would be willing to refi a rental to pay off my home mortgage because in most states your personal home and qualified retirement accounts are protected from bankruptcy/law suites so they are one of your most secure places to stash your money (although fairly illiquid). 

Some of them end up being the nice family that had one income earner who lost their job and held on for as long as they could etc but some of them are the guy who lost the job because of drug testing and then lost 5 more jobs the same way and then did the spiral into bankruptcy.

The tenant has a bankruptcy and I took a chance on them with a higher rent + double the deposit.

Here's Part 1 of my story:https://www.biggerpockets.com/forums/55/topics/690349-from-bankruptcy-to-1-000-units-part-1-thru-the-dark-tunnel

The owner received the notice of discharge, due to bankruptcy, from the lender in Feb 2019.Because I have the connection to the former owners, I know who the lender is and I know that the property is not currently being communicated to the public as a foreclosure.

Respond it's going great I've been helping people get out from being behind on their mortgages and saving them from declaring bankruptcy.

@Jaron Walling one that I have found the owner is in bankruptcy and the property has been sitting for a while.

probate works something like bankruptcy as it stays foreclosure.  

Some decided to file bankruptcy and abandoned the house, even they had the money to pay mortgage.