In this situation, I would contact the ghosting tenant one last time and let them know that you have to put the property back on the market. 

Complaining, or (overly) worrying, about these things is counter-productive. 

Most of them are not specialists in the way that youre thinking - they're retail employees with baseline knowledge of the products in that area.

Simple, get the book: "Lend To Live".It's "the Bible" of the lending business and it's featured here on BPhttps://store.biggerpockets.com/products/lend-to-liveMike

I agree with this high level (Private Money = Individual, Hard Money = Company Non-Turnkey Product).I've been begging (mostly to no avail) for better clarity and definitions here for these to avoid confusion - BiggerPockets IMO has a HUGE opportunity to set and create the "gold standard" universal definitions of loan types with just a little initiative. 

Traditional banks tend to not have this product.

One visionary comes up with the idea and creates an ingenious product, but later generations will always have the advantage of hindsight and trial-studies from which they can improve their design.It's very difficult to say where the whole space will go. 

Anyone have any products that wlll refi these smaller loans?

Hi Vincent, There are lenders that offer a DSCR product for an applicant that hasnt owned any real estate.How is your credit?

They are products of your brain trying to protect you from danger but in reality, there isn't any danger.