It is still the #1 best, cheapest, most effective strategy to simply negotiate and work with the tenants on a human level.

I explain they are free to live in the apartment or live elsewhere for the duration of the lease, but it is their responsibility to pay the rent and maintain heat in the apartment as per the terms of the lease.I also explain that circumstances change and I am human.

No borrower in the history of humanity has ever told the WHOLE story to a friend or colleague about why their mortgage didn't go through.I'd be curious to see what her written verification of employment says this time as well as the last time she applied for a mortgage.

Think about it with the part of your body that is ABOVE your shoulders.

I saw the worst part of humanity, very depressing.

We'd be looking for a smaller cottage, preferably not too far from a large body of water, ideally sub $200k.  

Humans, dogs, cats, fish, hamsters

They want the human's info. 

Their incentives are vastly different than yours -- they want  a warm body, you want a great tenant.

or unsure whether you're going to do the deal and you go radio silent...Any good lender obviously wants your business but hopefully also knows what it is like to be a human being looking for the best deal and shouldn't fault you for trying to find that.