If the utilities are in your name on the day Tenant takes possession then you will have difficulty getting the issue resolved.

“A delinquency may have resolved itself two years ago,†said Real Estate Econometrics President and Chief Economist Sam Chandan. “Today, even one missed payment may be more indicative of an underlying problem, so banks have to be very proactive in addressing the issue.†Banks held $1.087 trillion of commercial property loans in the quarter, up from $1.077 trillion in the previous three months.

This gives me few action items I can work on to resolve trash situation.

In the end, that type of arrangement would only cost you more money, so better to resolve the issues yourself.That said, the issues that come to mind that could be hurdles you need to solve are either credit score needing a bump or lack of income or limited income that would produce a high DTI or debt ratio.

So I immediately emailed her asking her where that number came from since I thought this issue was resolved. 

If he defaults for  other reasons, then it is held until issues resolved.  

An honest and straightforward individual who negotiated with me in good faith.I didn't end up buying the property and we were able to resolve the issue amicably. 

You can resolve this by also taking an option to buy the property at the same time you enter into the loan and assignment agreements. 

How i can resolve this dispute?

I'd encourage you to call the existing local private and HM lenders and ask about their terms to see how to structure your offerings to ensure your rates are compatible with your local market.