We had one incident where a tenant got divorced, mentally fell apart, received a dog as a gift and kept it locked in a bedroom all day.

I'm more of a straight to the point investor and just want to know what the endgame is in the deal so I have more clarity.

You might want to chat with a landlord-tenant lawyer to get clarity on your rights, especially around the common areas and possibly updating her lease.

So I think it's pretty much like getting any mortgage, but there is a definite lack of communication or clarity from the selling bank (VA).

Here’s a refined version of your message that maintains your original questions and concerns while improving clarity and flow:Hello,Since January, I haven't received the full rental payment from the property management company.

And yes, in full clarity, this is a "loaded question". 

That mental switch allowed us to find a great 2-family house-hack opportunity in Bayonne, NJ, and also led me to an amazing career change -- I've been a full-time NJ Realtor for 2.5 years now and have helped many BiggerPockets folks find their first house-hacks -- a good % coming from NYC.  

I think that Jim asks a valid question though, and one that the community and Bob's potential clients would be better off having some clarity on.

Your Mental Health.

We found evidence of mental health and familial issues, all sorts of debt, IRS issues, and even YouTube videos showing a life in disarray.