Being able to resolve the communication problem has been a great relief.

However, If you want to resolve this impasse I'm interested in doing that too. 

I would love to resolve this amicably.

In the 4th case, the owner had moved, but the high bidder tracked down the owner and told them about the excess money owed to them in exchange for a quit claim deed for the property to resolve any title issues. 

A bank would have demanded that all 3 issues be resolved before lending me money -- I could have probably forced the seller to pay for most of the resolution.   

So it's quasi-public info anytime you write a check.If you have hesitations then there are other ways to resolve this.  3rd party providers will utilize ACH which allows tenants to directly deposit rent into your bank account, without sharing each others information. 

She is a solution driven loan officer and helped us resolve a major hiccup!

If you can't resolve the issues cooperatively, then you will need to evict all occupants, this includes the tenant and the unauthorized occupants.About tenants changing locks...

I had similar experience with a moldy shower door for which tenant wanted resolved.  

You have a different opinion which you also stated.Each investor can take both of our opinions and run them by their own tax professionals.If you really need to resolve our disagreements, let's do if offline.