It doesn't matter what floor you entered the elevator on, if the cables holding it (housing market) are weak, everyone inside will crash to the bottom.

Accept that and we can communicate offline.

If not you are in this together and you both want each other to be successful so communicate and go make more money.  

@Anthony Wick if you understand and follow your city/state laws, keep your properties in good repair, and are honest and communicative with your tenants, I truly believe you will avoid 99% of any lawsuits.

Send very short non accusatory communication stating just facts of area concerns.

Super good communication and low rates, solid underwriting process.

It also explained that they were having trouble communicating to the "tenant" and not hearing back from her, and the last thing they heard from people at the residence was when the boyfriend called asking if the property was for sale.

., depending on the jurisdiction, and some areas might consider cable TV an Internet as utilities.We once looked at getting solar for our residence, but since we generally don't use much electricity, it didn't look very attractive.

Sounds like there was a material lapse in communication with your lender, which led to information surfacing during underwriting that negatively impacted your deal. 

Don't get me wrong, every agent should absolutely provide great communication and service from day one.