It would need to say that if it foreclose then There would be no money coming to the tenant.It sounds like you would like to give the tenant more than money, but we both know that would make things worse. 

If you feel bad and want to save people money, start with a free pre-screening.

I just lost $10,000 in earnest money, will be sued for the sellers agent's commission, and my agent doesn't get a dime.

Liquidity is important if this is money you plan to put to work in the near term. 

hard money How did you add value to the deal?

However if money was transferred to these companies investments and they went bad..

Put a little more money into that one and keep it for a while.

My last deal was my first off market deal and when I contacted the sellers wife about the deposits she said that that was a given as part of a multi family sale and they’d write me a check at the closing as I requested because money was tight and I didn’t want a credit where I’d have to come up with the funds out of pocket later.

Some just take the money and disappear.Averaging 8 yrs makes me want a PPM that promises to 721 UPREIT.

They are running a personal brand, and I would rather donate my money to a good cause than their next mountain home.