I recently did one where the lender did allow it but that was because of our position as a great customer of the bank and our impeccable credit record.  

No matter who it is, RAD or another group, please do a lot of research and make sure you are working with someone who has a track record and is able to connect you with references.

With online access to almost every jurisdictions property recordings, lenders today use software that automatically searches property transfers for transfers involving their loans.  

Lending and insurance are based on predictability and without question the frequency and size of losses will continue to eclipse prior records.

On the plus side now I will have a recorded Certificate of Occupancy with the city, as this property will be a long term hold for me most likely.

@Dalton Foote I have had tremendous success using direct mail and mailing the owner of record where the tax bills get mailed to.Generally, property management companies don’t pay the real estate taxes so this gets me right to the owner.Targeting wise, I would just do a zip code filtered by unit count using a service like listsource.  

The judgments have to be looked up manually, because screening software only looks for unlawful detainers and the Virginia court records don’t feed consistently accurate to the other programs.

You want to use a contractor or repair man with a proven track record. 

Also CC a copy to the tenant for their records.

I promise you they will respond to this by saying "Hi Victor, I don't see your name in our records, please give me a call so we can address your concerns" It's all for show.