not sure how much truth the story has, but the owner

must be really stupid to let it go this far.

4. the bank would not forclosure you if you keep your payment up.
3. why let the tenant take controll the situation for 10 month and not evicting them?
2. even if they did burn the house down, so what? that is why you have insurance.
1. don't ever let your tenant know where you live. keep you personal life private. get a PO box for 10$ a month.