If you find any 3-prong outlets without grounds, or a 2-prong outlet that's worn out, replace them with new 2-prong outlets.If you can't figure out which outlet is first on the circuit, or if the circuit is a pain in the butt in some other way, you can also get a GFCI built into a circuit breaker that can be installed in the panel. 

If you can wait the 6 months, you can C/O to the highest LTV that new appraised value and lender overlay will allow, probably 85%."]Yes, I see that @Jerry Padilla mentioned the DFE could do 75% LTV for mortgages 1-4 on single units only, which flew in the face of my understanding per the "70%" quote that I used above from Fannie's own site [which I still reckon was also mentioned in their DFE notes until it disappeared].I agree, I should not have inferred a "fudging" by any Lenders.

@Javier Perez That is a big pain switching it out everytime you have a turnover and your are basically asking for claims.

Honestly, keeping an open line of communication tends to remove some of the pain-points of the landlord-tenant relationship but it seems like this tenant is choosing to be difficult.

I would request an alternative bureau (Experian, Transunion and Equifax) as a starter.I’ve seen credit scrubbers (“Credit repair” companies) get rid of derogatory account lines and make them disappear (because they no longer report that borrower) I don’t recall it making someone a complete ghost though.

@Nancy Bachety the case of the disappearing seller was definitely one for the history books. 

It was a hard time to find a job and it was even harder to willingly attempt to do something that felt equally as painful as walking to a hard-labor rock-mining camp and asking to be shackled.

So maybe he's looking out for himself trying to get commission that might disappear if the sell happens in arbitration?

Contractors come in and gut the house and then claim they ran out of money and disappear.

I am absolutely not a pro-airbnb especially since this year my airbnb share of income has gone down to 30% ish and had several damage issues where they were a pain to deal with to get some compensation.