hmmm so perhaps my best bet would be to refinance, to lower the payments and rent it out. 

Youi best bet is to find comparable sales to determine value. 

Premiums can be 5x's difference between insurance carriers.Your best bet is to find a local agent that knows the market. 

Hey Bob,I will bet you a beer that your occupants were scammed themselves and are paying rent to someone else. 

Further raises will come in the months/years ahead is my bet. 

I would bet the property IS an REO (foreclosure) or on its way to being one.

No, just inconsiderate.The fact that a borrower is left hanging without explanation is certainly in bad form, however I'll bet that the BP Pro made a concious decision that there was no benefit yo continuing conversation and chose to bail, rather than tell @Stephen Anthony what might be painful feedback. 

At least to me it would seem as if you think that I'm such a sucker for sentimentality, that I would fall for a wedding photo. 

You bet.

But I am betting that is not the case.Whats done is done though.