If yes to both of those, then foreclosure should commence, and that usually is initiated by sending a notice of default.If this wasn’t initially handled with assistance from legal counsel, the documents might not include the things needed to enforce the loan. 

Once the Landlord-Tenant Courts resume the eviction hearings, at least you are on the docket and eviction can commence. 

(let the negative comments commence!!)

.- #3 average time between tenant move-out, and commencement of leasing or renovating the unit.

KY § 383.585 Disclosure.(1) A landlord or any person authorized to enter into a rental agreement on his behalf shall disclose to the tenant in writing at or before the commencement of the tenancy the name and address of:     (a) The person authorized to manage the premises; and     (b) An owner of the premises or a person authorized to act for and on behalf of the owner for the purpose of service of process and receiving and receipting for notices and demands.(2) The information required to be furnished by this section shall be kept current and this section extends to and is enforceable against any successor landlord, owner, or manager.(3) A person who fails to comply with subsection (1) becomes an agent of each person who is a landlord for:     (a) Service of process and receiving and receipting for notices and demands; and     (b) Performing the obligations of the landlord under KRS 383.505 to 383.715 and under the rental agreement and expending or making available for the purpose all rent collected from the premises.

If, for any dispute or claim to which this paragraph applies, any party commences an action without first attempting to resolve the matter through mediation, or refuses to mediate after a request has been made, then that party shall not be entitled to recover attorney fees, even if they would otherwise be available to that party in any such action.

Well, William, Lou Holtz in a recent commencement speech said we're either growing, or dieing. 

I guess I will commence with reading.

This means The same IRA rules apply with respect to distributions, and the funds are tax-sheltered until distributions commence generally are retirement.

Essentially the estoppel is the tenants attestation of the terms of her/his tenancy - we always secure them as the process often exposes any "verbal" arrangements the tenant has with the Vendor and corroborates {most of the time}, the information disclosed by the Vendor.In drafting an estoppel certificate we look to capture:a) The length of the tenancy - how long has the tenant been in residence;b) The type and term of the lease - i.e. written or verbal; annual or month-to-month.c) The amount of rent;d) What is included in the rent (i.e. utilities, parking, etc);e) Any amounts paid to the Vendor in addition to the rent (i.e. utilities);f) Any abatements or set-offs made to the Tenant (i.e. rent discount for services (superintendent; cleaning, etc));g) Amount of security deposit collect at start of tenancy;h) Whether there is an existing default or breach of the lease on the part of the landlord;i) Whether there are any proceedings commenced or pending against the Tenant or landlord w/r to the leased premises; andk) Whether there is an agreement between Tenant and Landlord, pertaining to the obligations of each party other than that contained in the Lease.