Maybe you should present this to a couple local mortgage brokers, they will have a larger contact list then you and they will only have to run your credit once vs going to each individual bank.  

Interesting article offering yet another view of the housing market moving forward.http://www.bloomberg.com/news/articles/2015-03-31/this-new-indicator-shows-there-s-no-bubble-forming-in-u-s-housing?

Please keep in mind there is a big difference between a portfolio loan and an individual 30 yr fixed.

The main differences being that hard money comes from an institution as opposed to a private individual. 

This article's focus is on forward-looking expectations of individual housing markets.

He had told me after the first disappearance that he had paperwork to indicate why he had to go but he has not provided that to us and he has disappeared again. 

I know this is a unique issue to the note and the individual, so I'll add a few details and see if there are any suggestions as to where I should go from here.To begin, I'm a note rookie, and I accept all the critical feedback that comes with it  : )   I now know that I was under capitalized when pursuing this note.  

The reason you want them to turnover the keys is that it is an additional indication that they have given up possession of the unit.

I am hoping to connect with like minded people and individuals who have advice for a new investor.Thanks!

Can I just, at closing, indicate a $12,600 credit for the renter/buyer?