@Peter M. yeah, it's a biggun, 3/2 on each side.Definitely a pain, but we'll get through this.

I'm worried that he will sell the property within 30-45 days and then disappear with my deposit.

They are a bit of a pain, but the financing in place can make deals work

They have paid on time every month for about 2 years but have suddenly disappeared.

Known problems are:Sewage pipe needs to be snaked every 6 months, might need a new systemThe existing tenant was described as a "pain in the ***".

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.