Commercial lending doesn't have as favorable rates as conventional.

In the future, I would suggest you consider adding to your applicant screening criteria something along the lines of the following:"Applicant should have favorable rental history with positive references from previous landlords."

@Frankie Perez, or you could get a BPO, retain a real estate agent, call in a favor from an appraiser.  

Leverage ratio plus ROI works in my favor How did you find this deal and how did you negotiate it?

Cash flow markets will likely see a more favorable ratio.  

If anybody can recommend a bank or credit union with favorable terms: 75% LTV, six months seasoning requirement, etc.

With the overheated real estate market we have here, favorable deals are not easy to come by as sellers know they are in control at the moment. 

When I look at my rehab estimates, I always favor much more modern design details than what is seen in the area. 

You will still have to take it to court, but the court will be more in your favor for the fact the the tenant did sign the intent to vacate form, but did not vacate.

Cheaping out up front does you no favors.