It’s also important to check with your lender to see if they offer this option.Lump Sum Payment: You’ll need to make a significant lump sum payment toward your mortgage principal.

Perhaps check with a local attorney before proceeding.I realise I left some stuff out in the beginning, but the whole situation in general is just pretty wild.

Pretty much think of a commercial loan process as a residential loan process backwards.Lenders do go off the income of the property, but they also do check out the purchaser...3 years tax returns and a personal financial statement. 

Have you checked to see what others are doing in the immediate area on VRBO and AirBNB?

Contact a real estate attorney in the county the property is in and have them do a property ownership search and lis pendens (lawsuit) check.

And what if the one person you didn't check has a criminal background, has collections, and more?

If Caleb doesn’t respond you might want to check out this thread https://www.biggerpockets.com/forums/51/topics/816680-real-e... 

(Contractors, quarterly tenant checks, etc.)

If it was being done on purpose they would do it just before check out and probably put something worth less than a vape.

I told the seller "I'll have you a check for $230K in two days."