In other words, how do you intend to prove in court that the tenant voluntarily surrendered the property? 

As a function of that foreclosure process a Mortgagee is require to make known to the Borrower certain alternatives to foreclosure such as selling the property, refinancing the loan, surrendering the deed, qualifying for relief on the loan through forbearance or modification.  

The escrow releases upon the tenant's departure.The seller get a little money at close and the rest upon tenant surrendering the keys.

My contract, which was prepared by a real estate attorney in my county, says 'tenant" will surrender the property in the same condition as when received".

The surrender house is in Twin Falls and looking to acquire another investment property up in Meridian(where we currently reside) or purchase a cabin for a short term vacation rental in the Crouch area.  

If someone surrenders their home to the bank,does that mean they filed bankruptcy?

Most leases state that the property is to be surrendered "broom clean" and with only normal wear-and-tear.

She was supposed to surrender the keys to myself or a representative and get a final walk-through, which obviously didn't happen.

Hustle be relentless be a shark, never give up never surrender.. unless you find one in black leather outfit knee high leather boots with a leather whip.

Once the borrower learned that we weren't able to do a loan mod, she amended her plan to surrender the property.