We haven't found a good software solution for the financials. 

I didn't even think about chatgpt for searching for even easier solutions!

They still owe the back rent as evidenced by the fact that your resident gave you a credit card authorization.If CFPB doesn't have a solution, then you have to decide if going to small claims court is worth it.

I have heard the 16% solution mentioned. 

The fear of unknown and the bad potentials, but then sh_t happens and ya remember that we got a choice to lay down and be done in by it or roll-up the sleeves and get to work and be a solution maker. 

A lot of universities have students that need mid term housing due to graduation dates, mini semester programs, etc. and I've found if you approach them and offer them a solution to this problem, they are willing to work with you and help send business your way. 

While we need massive reform in lending and solutions for home affordability, that ain't it. 

Quote from @Pavan Kumar: Quote from @Kyle Mccaw: @Pavan KumarWinter is indeed tougher for rentals, but taking your listing down isn’t the solution.

I believe interest is tax-deductible if used for property improvements or purchases, and it gives you quick access to funds while keeping your stock portfolio intact.Private Money Loan: If you have a trusted partner and terms that work well for both parties, this could be an efficient solution without tapping into your other assets.

Now that you have the correct terminology, you can search for lots of potential solutions.