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.

Probably BS.Why is the seller the courts? 

To further complicate the matter, many insurance companies use wide blanket statements in the policy, so they have wiggle room to argue in court instead of telling people what exactly they insure or don’t insure.The roof is at the mercy of mother nature, which hasn’t been very merciful to Jacksonville in recent years.

This knowledge is crucial when planning co-living projects.Engage with Local Authorities: Work with city planners and zoning boards to advocate for more inclusive definitions that accommodate co-living arrangements.Monitor Legal Developments: Keep an eye on legal scholarship and policy discussions that may influence zoning reforms favorable to co-living.By staying informed and proactive, real estate investors can navigate the complexities of zoning laws and contribute to the evolution of housing policies that support diverse living arrangements.For a deeper dive into these discussions, you can read the full articles here:Bloomberg: Why Are Zoning Laws Defining What Constitutes a Family?

. - Based on sale of other units in the complex, I believe my current equity to be roughly $160,000, a little more than 50% equity. - The condo is currently leased through April 30, 2025. - August 2025 will be 3 years since I moved out.

@Martin Manning To add onto what others have shared, in the most simplistic terms, apartment complex values are based on Net Operating Income, or NOI, and the cap rate.Price = NOI / Cap RateSo, if an apartment complex has an NOI of $100,000 and a market cap rate of 10%, the value is $1,000,000.Listing agents for complexes love to price based on a pro-forma, which is utter nonsense (unless you're in Austin, in which case apartment complexes apparently have floors made of gold).

Also if you need to go to court, usually its small claims and you don't need to hire a lawyer.7) Figuring out how to accept rental payments - most Class A tenants won't want to mail you a check.

In my experience that either means there is something prohibitive in the zoning, or there simply is not much demand for that sort of product if most people either go with an apartment in a large complex or rent a SFR.

In those cases, you have to go through the courts to get possession back.

When they don't pay you evict them as a tenant rather than dealing with an ejectment which I guess can involved more nuanced arguments in court.