A smart (and/or unscrupulous) tenant may actually ask you to increase their rent until the BK is discharged.If the tenant misses a payment, don't delay on eviction notifications and notify the BK court accordingly to protect your interests.  

@Brie SchmidtDepends on the type of stain if it will come out or not.  

Ie they assume it's grounded when it's not.

I don't see why not.  

While I'm 20yrs your senior, I'm not certain I qualify for the more mature label - definitely not if you were to ask my wife.In reading your post above, it would appear the significant short-term appreciation your property has experienced is a result of a frothy real estate market, rather than having acquired the property at a steep discount and/or forcing appreciation through improvement of the property. 

I was hoping to get around the need for a 25% down payment by getting an owner occupied loan, but after speaking with the mortgage provider, I was informed that the maximum 75% LTV applies whether the property is owner occupied or not.

If you sent it and it came back, if you have not opened it I would not.

I explained that I couldn't re-rent the apartment because, without notification from them that they had vacated, they were still the tenants. 

I can afford it, but I would rather not if it's not necessary.

Do I willingly give that info to them as I don't really want them to send too many notifications to the bank?