The current tenant is sadly on drugs and will not have the money to buy.

You can get evicted for having illegal drugs in the house, you can get evicted for defacing the property.  

You can all co sign the mortgage as well to alleviate concerns around disproportionate risk, but that will complicate paperwork a bit.

I'm very no-nonsense, so if I get a sense they'll be high maintenance I pass.Automatic disqualifiers: prior evictions, drug and sex offenses and any felonies.

I thought about if for a minute and remembered all of the straw purchases I have witnessed and all of the inner city people smelling of alcohol and drugs buying "hollow points" in a caliber they did not know because they bought the gun loaded (usually some obsolete round like .32 ACP or something strange like .327 magnum).

., to help alleviate the problems.

A house of cards to say the least.Bottom line: some regulating of the practicing appraisers might alleviate the original poster's concern about his competition monkeying with values to keep business.

Food stamps or credit card with no requirement what it may pay for- cigs, booze or trade as cash for other itmes:sex, drugs etc.3.

I work as a Finance Director for a Non Profit that runs a Head Start Program, an Alcohol/Drug Rehab Center, a Job Training Center and many more smaller programs.

What you're describing is just another form of drug addiction.