Sometimes it can be difficult to collect and some landlords will keep any unpaid utilities out of the security deposit, though CA is one of the trickier states to do this in. I

I appreciate you chiming in, I may be overstepping my comfort zone with Sheboygan for now! 

One other market-wide factor I’d throw in is local government policies.

@Ken Latchers I think we can all agree that it depends what area you're in. I

What you put in is what you'll get out, it's just that simple. 

However, now that my note has been securitized and I have the pooling number that it is in, I contacted the servicer and they refuse to answer any questions about this whatsoever.

Non performing note bizz is intense I know from making performing notes and when they start to wobble one have to jump in.  I

had I known it was going to be delayed like this we would have slowed down the process.with AHP  is suspect when you have a NPN and a ton of them and with all the new laws in all these different states they probably operate in I suspect they are busy figuring out the new rules to the road.  

They told me that they've rarely had a screen crap out, but if it does, they told me that I could buy a new one from them if I wanted, but could likely get a better deal from Costco and easily pop it in. I

I'm also interested in purchasing an STR in the Catskills region so I thought I'd jump in!  I